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Public Document 



No. 9 



FIFTY-SIXTH ANNUAL EEPOET 



OF THE 



Insurance Commissioner 



OF 



Stye ^ommonroealtl) of Jttasscutytsette. 



January 1, 1911. 



I > > ' i .i > ) i 



P2M; J. 




BOSTON: 
WEIGHT & POTTER PRINTING- CO., STATE PRINTERS, 

18 Post Office Square. 
1911 

i 



fi LIBRARY OF IIASSHCHOsms, 

JUM 14 1911 

STATE HOUSE, BOSTON. 



Approved by 

T3E &Tii% J3CARD OF BUELICATIOl^. 



X 

\ ^ \ o ^ • \ ( 

A 

TABLE OF CONTENTS. 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

PAGE 

Introductory, . . . . . . . v 

Companies admitted, v 

Companies ceasing to transact Business, vi 

Department Examinations, . . . viii, ix 

Fire Insurance Problems, ix 

Interinsurers or Reciprocal Underwriters, . xviii 

Department Finances, xx 

Reports of Receivers of Insurance Companies, . . . . . . xxi 

Table 1. — Income, disbursements, premiums, losses, assets, liabilities and sur- 
plus to policy holders, Dec. 31, 1910, ....... xxiv 

Table 2. — Income during 1910, . . xxxii 

Table 3. — Disbursements during 1910, . xlii 

Table 4.— Assets, Dec. 31, 1910, , 1 

Table 5. — Liabilities, Dec. 31, 1910, lix 

Table 6. — Massachusetts business during 1910, lxviii 

Table 7. — Showing sources of gain or loss in surplus during 1910, . . . lxxvii 

Table 8. — Receipts and expenditures of the insurance department, . . . cvii 

DETAILED STATEMENTS. 

Massachusetts mutual fire companies, ......... 2 

Massachusetts mutual fire-marine companies, 93 

Massachusetts joint-stock fire and fire-marine companies, ..... 96 

Fire, marine and fire-marine insurance companies of other States, . .... Ill 

United States branches of foreign companies, 502 

Appendix, 604 

Act relative to Appointment of Referees, 620 

Report of Massachusetts District Police, fire inspection department, . . . 623 



$X\t tHommotttomltt) of $tta00acl)U0etts< 



Insurance Department, Boston, May 1, 1911. 

To the General Court of Massachusetts. 

Part I. of the fifty-sixth annual report of the Insurance Commis- 
sioner is hereby respectfully submitted, as required by section 17, 
chapter 576, Acts of 1907. As in previous years, Part I. relates 
wholly to fire and marine insurance companies and their interests, 
and embraces in the order named certain records and the comments 
of the commissioner, reports of receivers, new fire insurance legis- 
lation, various comparative tables, abstracts of the annual reports 
of the companies, and the report of the bureau which investigates 
the causes of fires and reports thereon. 

The following companies of the classes covered by this volume 
were admitted subsequent to the date of the last report or in 1911 
prior to the date of this report : — 



Corporate Name. 



Location. 



Date of 
Author- 
ity. 


1910. 

June 18 


Nov. 


3 


Nov. 


14 


Nov. 


25 


Nov. 


28 


Nov. 


29 


Dec. 


2 


Dec. 


17 


Dec. 


31 


1911. 

Jan. 27 


Mar. 


7 


Mar. 


14 


Mar. 


16 


Mar. 


21 


Mar. 


24 



Capital. 



Massachusetts Fire and Marine Insurance Company, 
The Union Fire Insurance Company, 
The National Fire Insurance Company, . 
Swiss National Insurance Company, Ltd., 
Michigan Millers Mutual Fire Insurance Company, 
The Union and the Phenix Espanol Insurance Company 
General Fire Assurance Company, .... 

Swiss Reinsurance Company 

United Firemen's Insurance Company of Philadelphia, 

National-Ben Franklin Fire Insurance Company, . 

The Sovereign Fire Assurance Company of Canada, 

Balkan National Insurance Company, 

The Abeille Fire Insurance Company, 

The Phenix Fire Insurance Company of Paris, France, 

The German American Insurance Company of Pennsyl- 
vania, 



Boston, Mass., . 
Paris, France, . 
Paris, France, . 
Basle, Switzerland, 
Lansing, Mich., 
Madrid, Spain, . 
Paris, France, . 
Zurich, Switzerland, 
Philadelphia, Pa., 

Pittsburg, Pa., 
Toronto, Can., 
Sofia, Bulgaria, 
Paris, France, 
Paris, France, 

Pittsburg, Pa., 



$500,000 
200,0001 
200,0001 
200,0001 
200,000 
200,0001 
200,0001 
200,0001 
200,000 

1,000,000 
200,0001 
200,0001 
200,0001 
200,0001 

200,000 



Deposit capital. 



VI 



REPORT OF THE 



The following companies of the classes included in this volume 
ceased to transact business in this Commonwealth subsequent to 
May 6, 1910, and in 1911 prior to the date of this report: — 



Name of Company. 


Location. 


Date. 


Capital. 


Remarks. 


Shawnee Fire, 
Western Reserve, 
Franklin, 
National, 
Ben Franklin, 


Topeka, Kan., 
Cleveland, 0., 
Wheeling, W. Va., 
Pittsburg, Pa., . 
Pittsburg, Pa., . 


1910. 

Sept. 24 

Dec. 31 
Dec. 31 
Dec. 31 
Dec 31 


$200,000 
250,000 
200,000 
500,000) 
200,000 j 


Reinsured in National of Hartford. 
Reinsured in Franklin of D. C. 
Reinsured in National of Hartford. 

Merged under name of National- 
Ben Franklin. 



It is worth noting that the capital of the companies which have 
been admitted the past year is upwards of $4,000,000, while that 
of the ones which have retired from the Commonwealth is less than 
$1,500,000. In the former list are 10 companies of foreign coun- 
tries which Massachusetts is glad to welcome on the fact that such 
companies have in the past paid their claims promptly and in full, 
no matter how bitter their experience. It is worthy of note, also, 
that in the list is one Massachusetts company, the Massachusetts 
Fire and Marine, with a capital of $500,000. Capital in this Com- 
monwealth does not readily now, for investment, towards fire insur- 
ance companies, although it frequently seeks much more hazardous 
employment. Yet there are successful Massachusetts stock fire in- 
surance companies whose stockholders may count themselves fortu- 
nate on account of their investments. 

Preliminary steps have been taken which will affect several 
companies now operating here. A merger agreement has been en- 
tered into by the Lumber Insurance Company and the Adirondack 
Fire Insurance Company, both of E"ew York, each having a capital 
of $200,000. The Rochester German, with a capital of $500,000, 
will merge with the German American, with a capital of $1,500,000, 
making a very large aggregation of capital and surplus, and still 
other mergers are contemplated. The Insurance Company of the 
State of Pennsylvania has reinsured its entire business with the 
North British and Mercantile, and the German of Pittsburg has 
similarly transferred its burdens to the Phoenix of Hartford. 



INSURANCE COMMISSIONER. Vll 

These changes and other recent ones are part of the clearly 
observable movement towards larger aggregations of capital for com- 
panies transacting a fire insurance business. As single risks in- 
crease in value, the strength of companies insuring them must in- 
crease in like proportion if the underwriters are to increase the 
amounts they carry on such risks. This is one reason for larger 
companies. Another is the fact that more and more are insurers 
demanding that the agents give them the stronger companies. The 
smaller ones either have to pay larger commissions for the best 
risks, and get too few at that, or else accept those of a more hazardous 
character. They thus find the business unprofitable and many retire 
from the field. During the last ten years 48 companies with a capi- 
tal of $200,000 have retired from Massachusetts. 

In view of this a natural inquiry is what are the earnings or 
profits of insurance companies. The New York legislative inves- 
tigating committee, referred to later in this report, investigated this 
subject and came to the conclusion that what money is being made 
in the business is being made by the " old, large, established " com- 
panies, and that the companies on the whole have not made an ex- 
cessive profit. The report shows that a group comprising the 6 
largest United States companies have each averaged to earn during 
the last twenty years, respectively, 10.9 per cent., 12.8 per cent., 
10 per cent., 9.3 per cent., 10.1 per cent, and 7.6 per cent., or an 
average for all 6 companies of 10.1 per cent., on the basis of the 
stockholders' proprietary interest, which includes the capital, sur- 
plus and 30 per cent, of the reinsurance reserve, the latter for the 
reason that the business could be reinsured for about 70 per cent, 
of such reserve. 

On the same basis a group of 6 medium-sized United States com- 
panies showed the following average rates of earning for a twenty- 
year period: 6 per cent., 8.9 per cent., 6.9 per cent., 4.8 per cent., 
9.2 per cent, and 4.6 per cent., an average for all 6 of 6.6 per cent. 

On the same basis and for the same period the 6 smallest com- 
panies earned as follows: 8 per cent., 6.2 per cent., 5.9 per cent., 
4.8 per cent., 2.3 per cent, and 2.2 per cent., or an average for all 
6 companies of 4.5 per cent. 

Of 6 new companies chosen at random, and all between five and 



VI 



REPORT OF THE 



The following companies of the classes included in this volume 
ceased to transact business in this Commonwealth subsequent to 
May 6, 1910, and in 1911 prior to the date of this report: — 



Name of Company. 


Location. 


Date. 


Capital. 


Remarks. 


Shawnee Fire, 
Western Reserve, 
Franklin, 
National, 
Ben Franklin, 


Topeka, Kan., 
Cleveland, 0., 
Wheeling, W. Va., 
Pittsburg, Pa., . 
Pittsburg, Pa., . 


1910. 

Sept. 24 

Dec. 31 
Dec. 31 
Dec. 31 
Dec 31 


$200,000 
250,000 
200,000 
500,000 1 
200,000 J 


Reinsured in National of Hartford. 
Reinsured in Franklin of D. C. 
Reinsured in National of Hartford. 

Merged under name of National- 
Ben Franklin. 



It is worth noting that the capital of the companies which have 
been admitted the past year is upwards of $4,000,000, while that 
of the ones which have retired from the Commonwealth is less than 
$1,500,000. In the former list are 10 companies of foreign coun- 
tries which Massachusetts is glad to welcome on the fact that such 
companies have in the past paid their claims promptly and in full, 
no matter how bitter their experience. It is worthy of note, also, 
that in the list is one Massachusetts company, the Massachusetts 
Tire and Marine, with a capital of $500,000. Capital in this Com- 
monwealth does not readily flow, for investment, towards fire insur- 
ance companies, although it frequently seeks much more hazardous 
employment. Yet there are successful Massachusetts stock fire in- 
surance companies whose stockholders may count themselves fortu- 
nate on account of their investments. 

Preliminary steps have been taken which will affect several 
companies now operating here. A merger agreement has been en- 
tered into by the Lumber Insurance Company and the Adirondack 
Fire Insurance Company, both of New York, each having a capital 
of $200,000. The Eochester German, with a capital of $500,000, 
will merge with the German American, with a capital of $1,500,000, 
making a very large aggregation of capital and surplus, and still 
other mergers are contemplated. The Insurance Company of the 
State of Pennsylvania has reinsured its entire business with the 
North British and Mercantile, and the German of Pittsburg has 
similarly transferred its burdens to the Phoenix of Hartford. 



INSURANCE COMMISSIONER. Vll 

These changes and other recent ones are part of the clearly 
observable movement towards larger aggregations of capital for com- 
panies transacting a fire insurance business. As single risks in- 
crease in value, the strength of companies insuring them must in- 
crease in like proportion if the underwriters are to increase the 
amounts they carry on such risks. This is one reason for larger 
companies. Another is the fact that more and more are insurers 
demanding that the agents give them the stronger companies. The 
smaller ones either have to pay larger commissions for the best 
risks, and get too few at that, or else accept those of a more hazardous 
character. They thus find the business unprofitable and many retire 
from the field. During the last ten years 48 companies with a capi- 
tal of $200,000 have retired from Massachusetts. 

In view of this a natural inquiry is what are the earnings or 
profits of insurance companies. The New York legislative inves- 
tigating committee, referred to later in this report, investigated this 
subject and came to the conclusion that what money is being made 
in the business is being made by the " old, large, established " com- 
panies, and that the companies on the whole have not made an ex- 
cessive profit. The report shows that a group comprising the 6 
largest United States companies have each averaged to earn during 
the last twenty years, respectively, 10.9 per cent., 12.8 per cent., 
10 per cent., 9.3 per cent., 10.1 per cent, and 7.6 per cent., or an 
average for all 6 companies of 10.1 per cent., on the basis of the 
stockholders' proprietary interest, which includes the capital, sur- 
plus and 30 per cent, of the reinsurance reserve, the latter for the 
reason that the business could be reinsured for about 70 per cent, 
of such reserve. 

On the same basis a group of 6 medium-sized United States com- 
panies showed the following average rates of earning for a twenty- 
year period: 6 per cent., 8.9 per cent., 6.9 per cent., 4.8 per cent,, 
9.2 per cent, and 4.6 per cent,, an average for all 6 of 6.6 per cent. 

On the same basis and for the same period the 6 smallest com- 
panies earned as follows: 8 per cent., 6.2 per cent., 5.9 per cent., 
4.8 per cent., 2.3 per cent, and 2.2 per cent., or an average for all 
6 companies of 4.5 per cent. 

Of 6 new companies chosen at random, and all between five and 



Vlll 



REPORT OF THE 



ten years of age, the earnings on the same basis have been 28.5 
per cent., — 2.3 per cent., 5.1 per cent., — 2.6 per cent., 8.7 per 
cent, and — 1.6 per cent. Three of the 6 lost money. 

Four typical English companies and 2 continental companies made 
up another group. Their average earnings for the twenty-year 
period were 9.3 per cent., — 4.7 per cent., 6.7 per cent., 5.1 per cent., 
— 1.1 per cent, and — 14.8 per cent.; that is, of the 6 companies 
taken, one-half of the number had lost money in this country in 
the last twenty years. 



Department Examinations. 

The following fire companies were examined by this department 
during the year 1910: — 



Name of Company. 



Location. 



Year 
of Previous 
Examina- 
tion. 



Attleborough Mutual, 
Barnstable County, . 
Berkshire Mutual, . . . 
Cambridge Mutual, . 
Dedham Mutual, 
Dorchester Mutual, . 
Groveland Mutual, 
Lumber Mutual, . . 

Mutual Fire, . 
Newburyport Mutual, 
Norfolk Mutual, 
Salem Mutual, . 
Saugus Mutual, . . . . 

India Mutual 

Springfield Fire and Marine, 
Gloucester Mutual, 
Old Colony, . . 
Fitchburg Mutual, 
Grain Dealers Mutual, 
Massachusetts Fire and Marine, 



Attleborough, 

Yarmouthport, 

Pittsfield, . 

Cambridge, . 

Dedham, . 

Dorchester, 

Groveland, 

Boston, 

Springfield, 

Newburyport, 

Dedham, . 

Salem, 

Saugus, 

Boston, 

Springfield, 

Gloucester, 

Boston, 

Fitchburg, 

Boston, 

Boston, 



1908 
1907 
1907 
1907 
1907 
1907 
1907 
1908 
1907 
1907 
1907 
1907 
1907 
1907 
1907 
1908 
1908 
1909 



Besides the above, the following companies of other classes were 
examined during the year : — 



INSURANCE COMMISSIONER. 



IX 



Name of Company. 


Location. 


Year 
of Previous 
Examina- 
tion. 


General Insurance Guaranty Fund, .... 
Whitman Savings Bank (Insurance Department), . 
People's Savings Bank (Insurance Department), 

New England Casualty, 


Pittsfield, 

Boston, 

Boston, . . . 
Springfield, .... 

Boston, 

Boston, ..... 

Springfield, .... 


1907 
1907 
1909 
1909 
1909 
1909 
1907 
1909 
1909 
1909 

1908 
1904 
1909 
1909 
1909 

1909 



Fire Insurance Problems. 

"Not for many years has there been so much attention given to 
questions relating to fire insurance as during 1910. In the first 
place, the companies themselves have been earnestly considering 
whether reforms may not be instituted that will decrease the expense 
ratio and put the compensation of agents on a more logical and 
equitable basis. In the second place, the Legislatures of two great 
States — New York and Illinois — have been making investigations 
through committees of their own members. Both have spared neither 
time nor expense to get at the facts, and reports have been made that 
throw much light on the fire insurance situation. An independent 
investigation was made also by a committee of insurance commis- 
sioners, the result of which was reported at the last convention of 
insurance officials representing the various States. 

The net result of these various investigations, some of which 
have seemingly been as thorough and unbiased as it is possible to 
make, is worth bringing into the limits of a few pages of this volume 
in order that the benefit of the work done elsewhere may be readily 



X REPORT OF THE 

available when questions arise in this Commonwealth, as they surely 
will arise, as to the expediency of legislation on many of the matters 
at issue. 

The New York investigation was reported in a volume of 164 
pages, and covered a wide range of questions relating to fire insur- 
ance. Some of them are treated with a high degree of thoroughness, 
and the conclusions cannot but command attention if not indorse- 
ment. 

Views of the New York Committee. 

The views of the "New York committee upon State rating are at 
this time very pertinent. The summary thereof follows : — 

First. — It is recognized that a rate equitably should depend upon the 
hazard; that the hazard, however, is known in general only by experience; 
that for this no one company has a broad enough experience of its own, and 
that, therefore, the making of equitable rates demands co-operation; further- 
more, since the same rates are needed by all the companies, economy would 
suggest that the work should not be duplicated. 

Second. — It has been demonstrated by the experience of all times and 
all places that open competition in fire insurance is an unstable condition 
which leads to the general weakening of the companies, and eventually to 
the elimination of small companies; further, that under open competition 
there is always discrimination in favor of the policy holder with influence. 
The only alternative to open competition is, however, combination not merely 
to make but to maintain rates. This in general, or certainly to a degree, 
makes it impossible for the public to obtain insurance except at the prices 
fixed by the combination. This inability to bargain is resented by the public, 
and the rate-making organizations have been referred to as trusts and com- 
binations in restraint of trade, and in many States so-called anti-compact 
laws have been passed forbidding the companies to combine either to make 
or maintain rates. 

Third. — The effect of the anti-compact laws has been not to bring back 
a state of open competition, for this, as has been said, is an impossible con- 
dition, but to introduce a weakened substitute for combination, the selling 
of " advisory " rates by an independent rater. These rates in general are 
observed, but, as the companies are under no agreement to maintain them, 
the way is open to gross discrimination. The tendency of independent rating 
is in general toward higher rates and toward a weakening of the beneficial 
economic effects of schedule rating. The discrimination in anti-compact 
States has been so offensive that there is a strong movement toward State 
regulation. 

Fourth. — State regulation is recognized as a far more logical condition 
than one in which anti-compact laws prevail, and in the main the objections 
to it are practical rather than theoretical. The principal question to decide 



INSURANCE COMMISSIONER. XI 

is whether the conditions warrant so radical a step, and whether it is likely 
that conditions would thereby be materially improved. The most serious 
theoretical objection to State rating is that it would be likely to make it im- 
possible for a company to recoup itself after a conflagration. The practical 
objections lie in the possibilities of its being used for political effect, and the 
fact that the State does not possess and could not obtain, except with great 
pains and expense, the expert knowledge upon which to make rates properly. 

Fifth. — It does not appear that there has been an excessive profit in the 
business ; this would seem to indicate that the premiums have on the whole not 
been too ]arge. Discrimination between classes is, however, found to exist, 
particularly in the too high rating of " preferred risks." These are conditions, 
however, which will be cured by publicity, and the general tendency toward 
equitable rating is unmistakable. 

Sixth. — Not only is combination necessary for equitable rating, but con- 
versely the making of equitable rates is the consideration which should be 
demanded of the companies for the right to combine. 

Seventh. — It is believed that competition and publicity are sufficient to 
insure this, particularly as the manifest tendency of schedule rating is in 
this direction. 

Eighth. — It is shown that there is intense competition among the mem- 
bers of rate-making organizations, and that this condition differentiates such 
organizations from so-called trusts; that excessive rates are not desired, as 
tending to lead to a dissolution of the combination and also to the organi- 
zation of new competing companies; and that a strong competition exists 
in most parts of the country from non-board and mutual companies. 

Ninth. — As the companies have failed to co-operate in collecting a com- 
mon loss experience which would serve as a basis for equitable rating, it 
is believed that steps should be taken toward the acquirement by the State 
of such statistics. 

It is the belief of this committee that, in the present condition of the 
business, competition can be relied upon to keep the rates equitable, par- 
ticularly if reinforced by publicity. The committee fails to find any condi- 
tion which would warrant the extreme step of turning the rate making over 
to the State, and it does not recommend State regulation of rates beyond 
certain steps looking toward closer supervision of rate-making bodies and 
the securing of proper publicity. The committee believes that State inter- 
ference with rates has not been beneficial, and has been brought about upon 
the wholly theoretical grounds that combinations in fire insurance were a 
menace to the people which an actual investigation of the facts fails to 
disclose. 

Views of the Illinois Committee. 
The Illinois legislative committee in its report, which is a pam- 
phlet of 75 pages, pays less attention to an analysis of the State- 
rating problem, but nevertheless adopted about the same conclusions. 
On this point the committee said : — 



Xll EEPOET OF THE 

Regulation by the States of late years has more and more come to mean 
the regulation of rates, for in fire insurance all roads lead ultimately to the 
rate question. . . . While many States have enacted anti-compact laws for- 
bidding the companies to co-operate in the making or maintenance of com- 
mon rates, so far only three States have really undertaken to regulate fire 
rates, and in one State the constitutionality of the law is already being de- 
termined in the courts on the contention of the companies, which is about 
as follows : — 

The State has no power to regulate rates in any business unless it is concerned 
with the public interest, and fire insurance does not come under this class, because 
the magnitude and extent of the business do not make it public within the mean- 
ing of the term; and, further, the requiring of a license by a State and super- 
vision of the conduct of its business by the State under its police power do not 
make a business public. Distinction should be drawn between the common regula- 
tion of insurance which comes under the police powers of the State and regulation 
to which constitutional limitations apply. The fire insurance business does not 
come within the definition of a public use, the term public use being held to be 
dependent upon the right of the public to the use, regardless of the will or caprice 
of the person or corporation owning the property or conducting the business that 
comes within the meaning of a public use. Any one can engage in fire insurance, 
subject to the regulations prescribed by the State, and no citizen can demand as a 
right that an insurance policy be issued to him. The constitutionality of the rate- 
regulating laws is questioned on the ground that they discriminate in that they 
apply to incorporated companies, and do not extend to individuals, partnerships 
or unincorporated associations engaged in a precisely similar business, and that 
they specifically except farmers' mutuals. 

The commission does not quote from the brief in behalf of the insurance 
companies, desiring to be understood as entirely agreeing or disagreeing 
with the contention expressed, but because the position appears briefly and 
clearly stated, and the question of State-made rates is a very live and im- 
portant issue at this time. . . . Since the close of our testimony the attention 
of the commission has been called to the Nebraska law of 1909, fixing maxi- 
mum rates for fidelity and surety companies in that State, and to the opinion 
of the United States Circuit Court for the district of Nebraska, declaring 
the law unconstitutional, and announcing the doctrine that the State has not 
the power to fix the rates to be charged for these companies. We see no 
difference between the rates for fidelity and surety insurance and rates for 
fire insurance, and the laws we suggest, it will be observed, deal with the 
application of rates, not with their making. The spirit of the laws of our 
several States governing fire insurance may be divided under three heads : — 

First. — States that leave the business alone in its rate-making functions, 
without either regulation or protection. 

Second. — States which have, under the name of anti-compact laws, inter- 
dicted all co-operation in the making or maintenance of common rates. 

Third. — States where the anti -compact laws have created such widespread 



INSURANCE COMMISSIONER. Xlll 

discrimination as to produce a reversal in legislative theories, and an attempt 
to cure the evils created by anti-compact laws through anti-discriminatory 
laws, which compel every company to file its rates and rules with the State, 
and impose severe penalties for any variation therefrom, also giving the State 
the right to order changes in schedules and rates at its discretion. In one 
of these States the right to make schedules has recently been taken away 
from underwriters and the work of schedule making undertaken by the State. 
What may be the practical result, or how long the State will be permitted 
to continue rate making without interference by the courts, can only be 
conjectured. 

In States of the first group demoralization and discrimination prevail be- 
cause of lack of protection against selfish interests, which are uncontrollable 
because of the legislative neglect that has left the business unable to enforce 
its own regulations. 

In States of the second group discrimination and demoralization prevail 
because underwriters are forbidden to maintain a semblance of either order 
or system, and the public dissatisfaction is so great that lawmakers are said 
to be earnestly considering the theories of the new anti-discriminatory laws 
as an outlet from the unsatisfactory conditions produced by their anti-compact 
laws. 

In States of the third group the anti-discriminatory laws as yet are an 
experiment. In Louisiana the law has just gone into effect. In Kansas it 
has been in force about eighteen months, and in Texas about eleven months. 
We have examined the laws of Kansas, Texas and Louisiana, copies of which 
will be found in the record filed herewith, and it appears that in each in- 
stance the power is given the State, either directly or finally, to fix the rates. 

In view of the fact that the constitutionality of State regulation of rates 
is now being threshed out in the courts, and of the recent decision in Nebraska, 
there is little encouragement for the State of Illinois to follow their example, 
and attempt by law to fix rates for fire insurance. We are directed to report 
to the General Assembly our judgment "as to the advisability of enacting 
a law regulating fire insurance rates in this State." We have assumed that 
regulation did not presuppose making rates by the State, and our investiga- 
tion leads us to the conclusion that any attempt by the State to assume the 
function of creating or originating rates for fire insurance would be a serious 
mistake, both from the standpoint of practicability and of the constitutionality 
of a law for this purpose. We believe the State should not make rates, but 
certainly should supervise the rates after they are made. 

Not Rate Making, hut Supervision and Publicity. 

It thus appears that a legislative committee of each of these two 
great States, after a long and exhaustive inquiry, came to the con- 
clusion that rate making should not at present be undertaken by 
the State. But a further study of their conclusions reveals the fact 



XIV EEPORT OF THE 

that neither committee believes in leaving this function to the com- 
panies without supervision bj the State, and without an effort at 
regulation through publicity. 

In New York the committee would have every rate-making asso- 
ciation or bureau file with the insurance department all schedules of 
rates fixed by it, including the basis rate on each class of property, 
and all forms of warranties, credits, charges, terms, conditions or 
privileges, and any other matters which may affect such rates or the 
application of the schedules; and would make all such associations 
and bureaus subject to examination by the insurance superintend- 
ent. All changes in schedules or rates they would require to be at 
once reported to said official, to the end that any discrimination may 
be discovered and made public. If discovered it is recommended that 
the official representing the State, after full hearing, be given au- 
thority to " order the rates on such risks to be made uniform," with 
which order all rating associations, bureaus, persons or corporations 
affected thereby shall immediately comply. 

In Illinois the committee presented a bill requiring all concerns 
transacting a fire insurance business to file with the insurance depart- 
ment, upon request, a copy of the schedule upon which rates are 
made, and upon similar request to furnish a copy of such schedule 
to insurers of particular risks, and providing that all business shall 
be done on a schedule of some character. It also prohibits rebating 
and discrimination. 

Manifestly the conclusion in both States was that the evil and 
abuse of which the public complain in respect to their fire insurance 
rates is not of such a nature that it is hopeless to effect a cure by 
supervision and publicity, — at any rate, that the State should not 
undertake to make fire insurance rates except as a last resort. 

In view of the practical difficulties in the way, as well as the 
theoretical objections to the State assuming .this function of rate 
making, which would virtually be taking away from the companies 
the power to manage their affairs, it is probable that most investi- 
gators will agree that it is best to stop short of that goal if possible. 

It may be urged that it comes very near State rating when an 
insurance commissioner is given authority to order rates to be made 
uniform if in his judgment, after investigation, there is evidence of 
discrimination as between risks of the same class or hazard. But 



INSURANCE COMMISSIONER. XV 

as a matter of fact to decide whether two hazards are near enough 
alike so that they should bear the same rate is quite a different 
proposition than deciding what would be an adequate or fair rate 
on those risks. The latter would be rate making., which the investi- 
gating committee of both States deems unwise for the State to 
attempt; while the former goes no further than to decide whether 
or not there is discrimination in the application of rates already 
made or adopted by the companies. No State ought to go further 
than this until the experience of all the fire companies has been 
brought together and classified. 

Views of the Insurance Commissioners. 
The report of the committee of insurance commissioners made to 
the convention in August, which report related chiefly to the expenses 
of fire insurance companies, and was unanimously adopted by the 
commissioners, was in part as follows : — 

As the result of its investigation your committee is persuaded that during 
recent years the competition between companies has been more in the direc- 
tion of increasing the volume of business written, with consequent increased 
expenses, than of lowering the cost to the insured. 

A feature of the business for which your committee can find no reasonable 
excuse is that the compensation of brokers who are employed by and render 
service only to the property owner is paid by the insurance companies from 
whom they seek indemnity required by their clients. Your committee is of 
the opinion that these services should be paid for by those for whose benefit 
they are rendered. 

This feature is but one of the indefensible conditions which make for 
increased expenses, and is another evidence that the companies are competing 
for volume of business by outbidding each other, in the price paid therefor. 

The conditions disclosed by the investigation include another incongruous 
feature. This is that the expense of procuring business is greater in cities, 
where the demand for the indemnity the companies have for sale is in excess 
of the supply. 

Your committee has no criticism to make of expenditures for inspection, 
building codes, expert advice bearing on construction, electrical equipment, 
etc., maintenance of laboratories or other agencies which make for conditions 
which must result in the reduction of fire waste. The public should and 
doubtless will endorse all expenditures intelligently made for these and 
kindred purposes. 

Being of the opinion that the present system of compensating agents and 
brokers necessarily increases fire losses and the expense of conducting the 



XVI REPORT OF THE 

business, and is the cause of conditions of which the insuring public justly 
complain, your committee believes that practically all of the unsatisfactory 
conditions which agitate the public and lead to unscientific and unavailing 
legislation designed to reduce the expense of conducting the business, and con- 
sequently the cost of fire insurance, can be eliminated by a radical change 
in methods. 

We therefore recommend the substitution, by uniform company action if 
possible, but if not possible then by statute, of a system by which local agents 
shall be compensated by a fiat commission, and a commission contingent upon 
the profits of their respective agencies, the rate of flat and contingent com- 
mission to be uniform throughout the country. Brokers representing the 
assured to be compensated by the persons, firms or corporations by whom they 
are employed and in whose interests they work. 

Being interested in the profits of the business, the great body of agents 
would be transformed into an army of inspectors, and moved to co-operate 
in all movements designed to improve conditions and reduce fire waste. The 
greater the activities of the agent along these lines the greater would be his 
compensation, and the greater the benefit to the general public through the 
lessening of fires. 

Under the present system the greater the hazard the higher the rate, and 
consequently the larger the commission paid to the agent. 

The injustice and lack of business sense involved in the payment of the 
same rates of commission to agents whose business is profitable and those 
whose business is unprofitable must be apparent to all. 

The Classification Issue. 

One of the discriminations which the Illinois report alludes to 
as being particularly gross and indefensible is the excessive charge 
made for insuring private dwellings. It says that " Dwelling rates 
in Illinois should be equalized, and if the insurance companies 
decline to do this the State should compel such action." That this 
discrimination exists there is no denial. The proof is plain. So 
profitable at present rates, and therefore so desirable, is this class 
of business that some companies seek it at double the commission to 
agents that is paid for other classes. 

The question naturally arises why is it that this rate is kept up 
beyond what is necessary to give a fair return of profit upon it to 
the company. The answer is obvious. There has been no insistent 
demand for a reduction by insurers. The agents, of course, are not 
asking for lower rates that will reduce their compensation. The com- 
panies to be sure are getting less as the commissions which they are 
paying for this class of business advance, but it is moving along the 



INSURANCE COMMISSIONER. XV11 

line of least resistance for them to keep the agents happy by paying a 
larger commission, which the companies can better afford to pay than 
to incur the hostility of agents by cutting the rate and in effect lower- 
ing the commission. 

Here is an abuse that will sometime be corrected. The house- 
holder should be favored rather than discriminated against if there 
cannot be established a rate that will be recognized as equitable. The 
greater hazards should pay their appropriate rate just as the older 
ages, which impose the greater risks, have to pay the higher rates in 
life insurance, and while it may not be possible to build up a fire 
table which will express the hazard of loss by burning of different 
classes of property as well as a mortality table expresses the liability 
of death for different ages, yet there can be some approximation to 
it, and that should be the aim of the companies and the State. In 
respect to this matter of a classified experience which shall form a 
basis for rates the New York committee, after a discussion of the 
subject, says : — 

Your committee believes that, if the companies and the various commis- 
sioners of insurance of the different States should agree upon a common 
plan which all the companies doing business in this country could and would 
follow, a great step towards reducing the business to a scientific basis 
would have been taken. It therefore recommends to the superintendent of 
insurance that he take up this question with the commissioners of other 
States and with the companies, in an endeavor to work out a practical plan 
which will eventually result in producing a classification of loss experience 
of such an extent and volume as will furnish a basis upon which the true 
burning ratio in the various classes of risks throughout the country can be 
established. 

This recommendation comes at a time to find the insurance com- 
missioners doing " team work " more systematically and successfully 
than ever before. It is becoming more and more evident to them that 
there should be a closer community of interest, as practically the 
same insurance questions arise in every State; and while it is im- 
portant from the standpoint of the companies that the laws be uni- 
form, and that there be uniformity in the exercise of the discretion 
vested in insurance officials, it is important also from the standpoint 
of the citizens of the various States, for if this uniformity does not 
exist in respect to taxation, forms of policies, rates and fees, for ex- 



XV111 REPORT OF THE 

ample, it results that some communities are getting more out of insur- 
ance companies than others, — a situation not comforting to those 
communities which receive the smaller benefit. The insurance com- 
missioners have of late been directing their attention to the solving of 
practical questions in uniformity in all the States ; and instead of the 
annual meetings which were the rule up to a recent date, all the im- 
portant committees meet quarterly, and consider the unsettled and 
live problems of State supervision. It seems to be the most prac- 
ticable way to secure uniformity of law and rulings by commissioners, 
and it is worth considering whether even more of the time and effort 
of the supervising insurance officials of the various States should not, 
with the definite sanction of law, be expended in efforts to come to a 
mutual agreement as to how the problems arising between the public 
and the insurance companies shall be solved. The working out of a 
loss experience for the various classes of risks which are the subject 
of fire insurance is one of those problems. 



Interinsurers or Reciprocal Underwriters. 

The Insurance Commissioner recommended to the General Court 
of 1911 that legislation be enacted for the regulation of interinsur- 
ance associations, or that method of insurance whereby each insured 
party becomes an insurer of each other insured party in the same 
association or classification. A bill was presented for that purpose, 
but some of its provisions met with considerable opposition from the 
managers of some of these associations, and it became evident, as the 
consideration of the bill progressed, that the situation needed more 
study and investigation. It was found, also, that there was some 
sentiment in favor of covering by the bill other classes of insurance 
than fire. The commissioner therefore suggested to the committee 
on insurance that the matter be referred to the next General Court, 
and this was done. 

A brief review of the situation in Massachusetts and a statement 
of what these associations are now doing, their methods and a forecast 
of what they may do, may be in order. 

At present, if any association of this nature is doing in Massachu- 
setts an insurance business, it is violation of law, for no such associa- 
tion has been admitted pursuant to law. As far as known at the 



INSURANCE COMMISSIONER. XIX 

insurance department no such association is engaged in business in 
Massachusetts. It is true that there are several which have insured 
Massachusetts risks and have been insuring them for many years. 
But it is understood that the business transactions are all carried into 
effect outside of the territorial limits of this Commonwealth, and 
there is no law which would prevent a citizen of this Commonwealth 
from going to New York and there carrying on the business of in- 
surance by becoming an insurer, or from going to New York to have 
his own property insured. There is enough of this business trans- 
acted, however, and enough need of an opportunity to transact it 
openly in this Commonwealth, to raise the question whether it ought 
not to be recognized and authorized in this Commonwealth under 
certain restrictions. 

The business of these associations is carried on by an attorney-in- 
fact, who is given by each associate authority to bind him for a cer- 
tain amount on the risk of each other associate. If there are 100 
such associates, and each is responsible for $2,000, it means that 
$200,000 is available for a loss in case each is able to pay what he 
as insurer has agreed to pay. 'No risks are accepted other than those 
of the members. Only selected risks are covered. Although the 
associations use board rates, they pay nothing towards making them. 
They bear none of the expense of protective departments. They de- 
sire to pay no taxes. Nevertheless they are useful as supplements 
to the regular companies, but cannot become substitutes for them. 
They can never become the main stay in carrying on the insurance 
business of the community upon which credits so largely rest. That 
the system will have promoters, however, who will seek to extend its 
operations beyond safe bounds is quite certain. These constitute the 
danger that must be guarded against in any legislation which recog- 
nizes this method of insurance. A law is needed which will effec- 
tively protect the public from " wild-cats " under this system, as well 
as to give the substantial associations a right to supplement the pro- 
tection afforded by the regular companies. Moreover, these asso- 
ciations should bear a fair share of the public burdens which are 
imposed upon other companies. 

The idea that something should be done in respect to the regulation 
of interinsurers has become quite general among those whose duty it 
is to have an eye open for the public interest. Among those who are 



XX REPORT OF THE 

giving the subject attention are the insurance commissioners of the 
country. At their April meeting in Chicago the subject was discussed 
at considerable length, and a committee of six commissioners, repre- 
senting the States of Illinois, New York, Massachusetts, Wisconsin, 
West Virginia and Virginia, was appointed to draft a bill for submis- 
sion to the annual convention of commissioners to be held in August. 



Department Finances. 

The insurance department collected from fees of various kinds dur- 
ing the fiscal year ending Nov. 30, 1910, the sum of $96,602.23, 
of which there was received for brokers' licenses, $24,770 ; agents' 
licenses, $48,487; for valuation of policies, $14,361.96; for filing an- 
nual statements, $5,073; and from miscellaneous sources, $3,910.27. 
The department's expenditures during that period amounted to $70,- 
901.70, leaving a net surplus accruing to the Commonwealth of 
$25,700.53. 

Respectfully submitted, 



/A 






Insurance Commissioner. 



INSURANCE COMMISSIONER. XXI 



KEPORTS OF RECEIVERS OF INSURANCE COMPANIES. 



American Insurance Company. — Arthur D. Hill, 53 State Street, 
Boston, receiver; appointed Jan. 17, 1908. On April 23, 1911, the 
last outstanding policy expired, and on April 24, 1911, a third 
dividend of 10 per cent, was paid. This required approximately 
$16,800, and left assets of about $45,000. From this a final dividend 
will be paid shortly after June 23, 1911, when the time for filing 
claims of loss on policies expiring on or before April 23 runs out. 
This dividend will be at least 20 per cent, and probably a little 
higher, so that all the creditors, except the so-called 40 per cent, 
claimants, with whom compromises were made, will receive not less 
than 80 per cent, of their claims. The only outstanding matters 
are: — 

1. The suit brought against the Girard Fire and Marine Insur- 
ance Company to recover $1,000 reinsurance. The receiver is en- 
deavoring to compromise this case so as to avoid the expense of 
litigation. 

2. A few claims against the assets, not exceeding in the aggregate 
$2,000, which depend on the outcome of litigation. 

Atlas Mutual Insurance Company. — Franklin T. Hammond, 50 
State Street, Boston, receiver; appointed May 11, 1904. The re- 
ceiver states that he is now ready to ask the court for instructions 
as to the disposition of the surplus of $15,117.19 remaining in his 
hands on April 1, 1911, with the exception that there are one or 
two cases in New York which are now pending before the Court of 
Appeals. The receiver will then ask for instructions as to whether 
the surplus should be divided to pay interest on the claims, or to 
pay dividends on claims for unearned premiums, or to pay any 
other claims. 

China Mutual Insurance Company. — Arthur D. Hill, 53 State 
Street, Boston, receiver; appointed March 27, 1908. Since the re- 
ceiver's appointment claims have been allowed by the court amount- 



XX11 REPORT OF THE 

ing to $86,909.33. On these 172 claims a dividend of 20 per cent, 
has heen ordered. The amount paid out in dividends so far is 
$13,437.59. 

Certain other claims have been disposed of by compromise, and 
a very large number of claims still remain pending and undisposed 
of. It is impossible at the present time to estimate with anything 
like accuracy the amount of these claims, but the receiver believes 
they will not exceed $150,000 in addition to the $86,000 already 
approved. The existence of the large and uncertain number of 
outstanding claims has made it impossible to pay with safety any 
dividends in excess of 20 per cent., since to do so would be to run 
the risk of being unable to deal equally with all creditors. It will 
be some months at least, perhaps longer, before it will be possible 
to obtain an accurate figure. 

Substantially all the claims are for losses or for return premiums 
on policies cancelled before the date of the receivership. There is 
one claim of $6,155 for rent due for the offices formerly occupied 
by the company, and of one of approximately $2,000 for services. 
Both these are among those disputed. 

As stated in the last report, the question of the rights of the re- 
ceiver against the makers of premium notes on policies outstanding 
at the time of his appointment were determined, so far as Massa- 
chusetts was concerned, by the decision in the case of Hill v. Baker. 
Unfortunately, this decision had no binding force outside Massachu- 
setts, and a large number of policy holders who resided in Nova 
Scotia and had no property in Massachusetts which could be come 
at to be attached, declined to accept the Massachusetts decision. Thk 
has necessitated the bringing of a number of suits in Nova Scotia, 
and involves both delay in the settlement of the estate and expense 
to the fund. The face value of the Nova Scotia notes amounts to 
approximately $14,000. It seems unlikely that this litigation can 
possibly be terminated before the autumn of 1911. 

Claims of Fireman's Fund Insurance Company and Firemen's 
Fund Insurance Corporation, which together amount to approxi- 
mately $12,000, were in litigation when the receiver was appointed, 
and have been contested by him. Their face value is approximately 
$12,000. The receiver believes that this is greatly in excess of the 
amount due them, if anything is due. 



INSURANCE COMMISSIONER. XX111 

The cash receipts from Jan. 1, 1910, to May 1, 1911, were $23,- 
391.64, and the disbursements $20,116.40, of which $13,437.59 was 
paid in dividends. 

The assets in the receiver's hands May 1, 1911, were railway 
stocks and other securities at a fair market value of $60,171 ; cash 
on deposit, $28,551.32; in office, $10.80; premium notes (includ- 
ing Nova Scotia notes above referred to), $15,036.59; premiums 
due, $3,884.40; reinsurance due, $4,942.88; total, $112,596.99. 



XXIV 



REPORT OF THE 



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Mutual Companies of Other Si 
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Atlantic Mutual, 
Farmers, York, Pa., 
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American Mutual Fire, . 
Blackstone Mutual Fire, . 
Central Manufacturers' Mut 
Enterprise Mutual Fire, . 
Firemen's Mutual, . 



INSURANCE COMMISSIONER. 



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lix 



Surplus to 
Policy Holders. 


$86,816 

9,354 

72,699 

108,186 


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$86,816 

9,354 

72,699 

108,186 


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44,832 

72,274 

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41,466 

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101,282 


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30,541 
161,067 
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Mutual Fire Assurance, 

Mutual Protection, . 

Newburyport, . 


Massachusetts Mutua 
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Abington, 
Annisquam, 
Attleborough, . 
Barnstable County, 
Berkshire, 


Cambridge, 

Citizens', 

Dedham, 

Dorchester, 

Fitchburg, 


Grain Dealers', 
Groveland, 
Hampshire, 
Hingham, 
Holyoke, . 


Lowell, 

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Lynn Mfrs.' and Mer 

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Merchants' and Farm 



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390,756 
3,391,771 
1,170,954 

210,198 
1,200,752 


704,133 

291,740 

2,944,026 

3,049,671 

1,189,371 


525,932 

726,451 

2,402,951 

1,642,669 

421,246 


2,997,250 
1,254,242 
5,707,180 
184,992 
1,154,892 


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454,133 

91,740 

1,744,026 

2,049,671 

989,371 


175,932 

376,451 

1,402,951 

1,142,669 

221,246 


2,247,250 

254,242 

3,707,180 

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654,892 


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7,355,299 
1,019,860 

170,694 
2,147,388 


379,546 

392,905 

2,771,522 

3,199,366 

489,939 


678,950 
1,556,725 
3,400,930 
1,456,669 

286,703 


4,541,933 
1,519,469 
5,082,531 

188,577 
2,530,174 


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Taxes Due or 
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30,000 

20,000 

155,000 

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$193,774 

732,456 

531,877 

89,923 

552,219 


536,366 
629,298* 
598,328* 
348,509 
1,756,073 


377,923 

6,238,989 

919,624 

130,805 

1,894,323 


' 328,312 

362,329 

2,001,078 

2,779,034 

431,999 


588,388 
1,324,476 
2,812,031 
1,300,977 

251,684 


4,126,970 
1,305,121 
4,325,466 
124,471 
2,165,899 


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27,239 

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321,180 

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201,880 

124,930 

98,694 

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156,679 
582,065 
24,482 
306,775 


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North British and Mercant 


Northern, 

North River, 

Northwestern National, 

Orient, 

Pelican Assurance, 


Pennsylvania, . 

People's National, 

Phoenix, . . . 

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INSURANCE COMMISSIONER. 



CV11 



Table No. 8. — Statement of the Receipts and Expenditures of the Insurance 
Department for the Fiscal Year ending Nov. 30, 1910. 

[Made pursuant to Acts of 1907, chapter 576, section 17.] 

Receipts. 



Compensation for valuation of life insurance policies, 
License fees, filing statements, certificates, etc., 

Total, 



$14,361 96 

82,240 27 



>,602 23 



EXPENDITUKES. 



Commissioner. 
Frank H. Hardison, 

Deputy Commissioner. 
Charles W. Fletcher, to August 31, . 
Lemuel G. Hodgkins, from September 1, 



Actuary. 
Emma W. Cushman, 

Examiner. 
Lemuel G. Hodgkins, to August 31, 
Harry L. Peabody, from October 11, 

Clerks. 
Arthur E. Linnell, first, . 
George W. Smith, second, 
Minnie F. Whipple, third, 

Extra Clerks. 
William 0. Richardson, 
K. M. O'Leary, . 
E. G. Ayres, nee Stevens, 
I. L. Baker, . 
M. E. Burrill, 

E. L. Johnson, 

F. M. Robbins, 
C. E. Weis, . 
G.M.Hall, . 
M. Sanborn, 
E. P. Bancroft, 
C. W. Brown, 

E. R. Cowdrey, 
S. E. Gould, . 

F. E. Gowell, 
B. B. Hadley, 
E. E. Holden, 
M. A. Hosmer, 
E. L. Kittredge, 

Amounts carried forward, 



$2,625 00 
875 00 



!,250 00 
419 36 



$2,000 00 
1,483 34 
1,200 00 



^2,000 00 

1,140 00 

1,080 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

1,000 00 

900 00 

900 00 

840 00 

840 00 

840 00 

840 00 

840 00 

840 00 

840 00 

840 00 

840 00 



$5,000 00 

3,500 00 
2,000 00 

2,669 36 



4,683 34 



$18,580 00 



$17,852 70 



CV111 



REPORT OF THE INSURANCE COMMISSIONER. 



Table No. 8. — Statement of Receipts, etc. — Concluded. 



Amounts brought forward, . 


$18,580 00 


$17,852 70 




L. A. McGowan, . . . 


840 00 






M. L. McMann, . 


840 00 






G. L. Moore, .... 


840 00 






W. Mullan, 


840 00 






A. F. Noyes, .... 


840 00 






E. A. Perkins, .... 


840 00 






H. L. Richardson, .... 


840 00 






K. L. Scheufele, .... 


840 00 






M. F. Yeaton, .... 


840 00 






L. H. Young, .... 


840 00 






D.P.J. Walsh, .... 


824 84 






H. 0. Boone, .... 


804 50 






K. J. Connorton, to November 8, . 


788 67 






E. C. Crocker, .... 


785 81 






L. M. Draper, .... 


719 04 






Clarissa E. Prouty, to November 1, 


715 81 






F. R. Leonard, to September 30, 


700 00 






S. A. CoUins, .... 


680 65 






L. A. Cutler, .... 


612 26 






F. M. Corwin, .... 


605 33 






M. J. Brandon, . . . 


538 66 






F. M. Dominick, 


400 00 






Additional clerical assistance, . 


1,923 66 


37,079 23 










Expenses. 








Carter & Peabody, appraisals, 


$315 50 






Edmunds Brothers, appraisals, 


155 00 






H. L. Peabody, examinations, 


190 00 






Marvyn Scudder, appraisals, etc., . 


1,500 00 






Books and periodicals, ... 


71 45 






Expenses of delegates to conventions, etc. 


490 75 






Expressage, ..... 


97 30 






Index cards, ..... 


128 68 






Postage, ..... 


. 1,134 94 






Printing, ...... 


. 3,339 46 






Stationery and office supplies, 


340 53 






Telephone and telegrams, 


56 40 






Traveling expenses, 


. 2,008 13 






Typewriter, . . . 


110 25 


9,938 39 










Printing Report. 








2,500 copies, Part I., 


$2,890 84 






4,000 copies, Part II., . 


3,048 54 






1,500 copies fraternal beneficiary corpora- 








tions, . . 


78 34 






500 copies Text and Tables, . 


13 66 


6,031 38 








$70,901 70 






Fees collected and turned into State Trea 


sury, . 


. 


96,602 23- 


Surplus accrued to the Commonwealth, 


$25,700 5a 



PIKE AND MAEINE INSUKANCE COMPANIES. 



Abstracts of Annual Statements for the Year ending 
December 31, 1910. 



ABINGTON MUTUAL FIRE INSURANCE CO. 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANIES. 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 



Balance, ..... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, . ... 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, ABINGTON. 

Incorporated May 30, 1856. Commenced business June 15, 1857. 
ISAAC C. HOWLAND, President. ALFRED H. NASH, Secretary. 

Income. 
Net premiums, ........ 

Gross interest on mortgages, $972.72; stocks and bonds, $4,322.99 

bank deposits, $1,000.87, 

Gross increase in book value of bonds, 
Dividends on reinsurance, . . . 
Commissions on return and reinsurance premiums, . 
Dividend, Metropolitan National Bank, in liquidation, 
From all other sources, . ... 



,777 69 

6,296 58 
412 50 
215 38 
325 29 
560 00 
125 00 



$57,712 44 
152,027 09 



$209,739 53 


$16,145 85 


351 67 


17,765 00 


7,215 19 


4,196 25 


465 00 


181 25 


290 95 


221 02 


226 47 


294 71 


58 25 


684 17 


485 45 


8 16 


111 25 


15 66 


146 38 


$48,862 68 


$160,876 85 


$16,345 78 


114,060 00 


707 39 


26,874 95 


2,888 73 


$160,876 85 



ABINGTON MUTUAL FIRE INSURANCE CO. 



Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $301.10; bonds, $1,445.86, 

Gross assets, ...... 

Assets not admitted. 
Book value of stocks and bonds over market value, 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$1,746 96 
. $162,623 81 

3,769 00 

. $158,854 81 

$86 43 

71,246 94 

539 44 

35 97 

129 75 

$72,038 53 
. . 86,816 28 

. $158,854 81 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

. $8,699,840 00 
3,276,823 00 



Cash Prem's. 

$137,114 60 
52,353 56 



$11,976,663 00 

2,998,786 00 

$8,977,877 00 

145,422 00 



$189,468 16 
48,393 61 

$141,074 55 
2,198 42 



^,832,455 00 $138,876 13 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, . . . . 

Dividends to policy holders during 1910, 20, 40 and 60 per cent. 



Conting't Prem's. 

$137,114 60 
52,353 56 

$189,468 16 
48,393 61 

$141,074 55 



.,182,873 21 
477,939 61. 
344,412 97 
15,892 21 



Schedule A. Stocks and Bonds owned by the Company. 



Bank Stocks. 
15 shares Abington National, 
14 " First National, Salem, 
14 " Metropolitan National, Boston, 

5 " Old Boston National, Boston, 
10 " State National, Boston, 

5 " Whitman National , 

State and Municipal Bonds. 
Boston, Mass., 3£s, 1923, . 
Boston, Mass., 3§s, 1919, . 
Cambridge, Mass., 3|s, 1918, 
Chicago, 111., 4s, 1914, 
Massachusetts 3s, 1929, . 
Massachusetts 3s, 1930, tax exempt, 



Book Value. 

$1,500 00 

560 00 

500 00 

1,000 00 

500 00 



4,000 
1,000 
2,000 
2,000 
3,000 
1,000 



00 
00 
00 
00 
00 
00 



Rate. 
100 
15 
3 
126 
175 
105 

96 
97 
98 
100 
93 
89 



Market Value. 

$1,500 00 

84 00 

42 00 

630 00 

1,750 00 

525 00 

3,840 00 
970 00 
1,960 00 
2,000 00 
2,790 00 
890 00 



ANNISQUAM MUTUAL FIRE INSURANCE CO. 



Massachusetts 3s, 1941, . 

New Bedford, Mass., 3£s, 1913, 

South Abington (now Whitman), Mass., 4s, 1913, 

Railroad Bonds. 
Boston & Maine 4s, 1926, 
Chicago, Burlington & Quincy 3is, 1949, 
Chicago Junction & Union Stock Yards 4s, 1940, 
Chicago & Northwestern 5s, 1921, 
Chicago & Northwestern 4s, 1926, 
Cleve., Cin., Chicago & St. Louis 5s, 1911, 
Concord & Montreal deb. 4s, 1920, . 
Concord & Montreal 3|s, 1920, . 
Fitchburg 4s, 1925, .... 
Flint & Pere Marquette 6s, 1920, 
Illinois Central (Louisville D. & T.) 1st 3|s, 1953 
Illinois Central (Litchfield Div.) 3s, 1951, 
Maine Central 7s, 1912, . 
Maine Central 4|s, 1916, , 
New York Central & Hudson River 4s, 1934, 
New York Central & Hudson River 3 is, 1997, 
New York Central Lines equipment 5s, 1917, 
New York, New Haven & Hartford 4s, 1914, 
New York, New Haven & Hartford 3$s, 1954, 
Old Colony 3 is, 1932, 
Pennsylvania convertible 3§s, 1915, 
Princeton & Northwestern 3 is, 1926, . 
Rockland & Abington Street 6s, 1915, 
Taunton Street 5s, 1914, . 
Terminal Association of St. Louis 4is, 1939 
Trenton Passenger 6s, 1931, 
West End Street 4s, 1915, 
Worcester Consolidated Street 5s, 1927, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 

$1,000 00 
2,000 00 
2,000 00 

8,000 00 
3,000 00 
3,000 00 
2,000 00 
5,000 00 
3,000 00 
3,000 00 
5,000 00 
3,000 00 
1,000 00 
3,000 00 
2,000 00 
1,000 00 
2,000 00 
1,000 00 
2,000 
3,000 
3,000 
3,000 
4,000 00 
2,000 00 
3,000 00 
1,000 00 
5,000 00 
2,000 00 
2,000 00 
3,000 00 
4,000 00 

10,000 00 
$114,060 00 



00 
00 
00 
00 



Rate. 

91 

99 

100 

97 

88 

90 

107 

100 

100 

97 

93 

99 

110 

86 

76 

104 

102 

94 

90 

103 

99 

83 

92 

96 

92 

105 

100 

106 

116 

99 

104 

91 



Market Value. 

$910 00 
1,980 00 
2,000 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



7,760 

2,640 

2,700 

2,140 

5,000 

3,000 

2,910 

4,650 

2,970 

1,100 

2,580 

1,520 

1,040 00 

2,040 00 

940 
1,800 
3,090 
2,970 
2,490 00 
3,680 00 
1,920 00 
2,760 00 
1,050 00 
5,000 00 
2,120 00 
2,320 00 
2,970 00 
4,160 00 

9,100 00 
$110,291 00 



00 
00 
00 
00 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, GLOUCESTER. 

Incorporated March 1, 1847. Commenced business Dec. 28, 1847. 

BRADBURY H. HUFF, President. WILLIAM H. JEWETT, Secretary. 

[This company relies upon assessments on deposit notes to pay losses and expenses.] 

Income. 
Net premiums, . . . . . ■ . . . $402 03 

Gross interest on mortgages, $350.50; bank deposits, $209.88, . 560 38 



Total income, . . 

Ledger assets, Dec. 31, 1909, .... 

Total, . 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ......... 

Postage, telegrams, telephone and express, 
State taxes on premiums, .... 

All other disbursements, .... 

Total disbursements, . . 

Balance, ...... 



$962 41 
10,803 00 



$11,765 41 


$89 00 


8 00 


153 45 


354 00 


10 00 


6 48 


2 67 


15 92 



$639 52 



$11,125 89 



ARKWRIGHT MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 

Mortgage loans on real estate, .... 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Safe, ......... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $126.25; other assets, $17.49, 



$6,900 00 


8 74 


44 06 


4,088 09 


85 00 


$11,125 89 



Gross assets, 



Safe, 



Admitted assets, 



Assets not admitted. 



Liabilities. 



Dividends due policy holders, 

Risks and Premiums. 

In force Dec. 31, 1909, ..'... 
Written during the year, .... 



143 74 



Risks. 

$268,755 00 
60,475 00 



$11,269 63 

85 00 
$11,184 63 

$59 11 

Conting't Prem's. 



Total, 

Expired and terminated, .... 

In force at end of year, ..... 

Miscellaneous. 
Losses incurred during the year, 



$329,230 00 
64,550 00 

$264,680 00 



$2,864 81 
$89 00 



ARKWRIGHT MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

Incorporated Feb. 8, 1860. Commenced business Oct. 1, 1860. 
R. W. TOPPAN, President. D. W. BARTLETT, Secretary. 

Office, 31 Milk Street. 

Income. 

Net premiums, $1,986,357 48 

Gross interest on bonds, $67,191.89; bank deposits, $3,482.87, . 70,674 76 
Gross profit on maturity of bonds, ...... 688 00 

From all other sources, . . . . . . . . 855 61 



Total income, . . . 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, 



$2,058,575 85 
1,835,104 48 

$3,893,680 33 



$60,119 07 

1,704,768 94 

43,018 47 



6 



ARKWRIGHT MUTUAL FIRE INSURANCE CO. 



Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express 
Legal expenses, .... 

Furniture and fixtures, . 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, . . . . 
Deposits in trust companies and banks on interest, 
Premiums in course of collection, . . 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, 

Gross assets, ...... 

Assets not admitted,. 
Book value of bonds over market value, . 

Admitted assets, . 

Liabilities. 
Unpaid losses, ■..■'. 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, 

Total liabilities, including surplus, 



$2,761 68 

3,415 81 

2,625 74 

20 00 

1,096 51 

33,178 92 

20,296 52 

47 00 

8,597 76 

900 50 

2,775 14 

$1,883,622 06 

$2,010,058 27 



$1,852,977 00 

402 04 

122,186 73 

34,492 50 

$2,010,058 27 

24,495 83 
$2,034,554 10 

53,977 00 

$1,980,577 10 

$4,727 00 

976,276 88 

505 93 

15,828 22 

$997,338 03 
983,239 07 

$1,980,577 10 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $243,963,024 00 $1,781,141 89 $8,905,709 45 
. 290,982,272 00 2,065,549 65 10,327,748 25 



$534,945,296 00 $3,846,691 54$19,233,457 70 
265,063,635 00 1,894,137 78 9,470,688 90 



. $269,881,661 00 
Miscellaneous. 
Net premiums received from organization of companjr, 
Net losses paid from organization of company, 



,952,553 76 $9,762,768 80 



.$27,645,945 32 
. 3,118,387 67 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 7 

Cash dividends paid policy holders from organization of company, $21,724,182 61 
Losses incurred during the year, ...... 62,973 87 

Dividends to policy holders during 1910, 93.929 per cent. 



Schedule A. Bonds owned by the Company. 



Slate and Municipal Bonds. 
Boston, Mass., 3§s, 1932, . 
Boston, Mass., 3§s, 1945, . 
Cambridge, Mass., 3£s, 1920, 
Lowell, Mass., 4s, 1920, . 
Massachusetts, 3s, 1939-40, 
New York, N. Y., 4s, 1955, 
New York, N. Y., 4}s, 1957, 
Providence, R. I., 3s, 1930, 

Railroad Bonds. 
Boston & Albany 3 is, 1952, 
Boston & Albany 4s, 1913, 
Boston & Albany 4s, 1933-34, 
Boston Elevated 4s, 1935, 
Boston Elevated 4 is, 1937, 
Boston & Lowell 4s, 1913, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4s, 1942, 
Boston & Maine 4-|-s, 1944, 
Boston & Providence 4s, 1918, 
Chicago, Burlington & Quincy 3§s, 1949, 
Chicago, Burlington & Quincy 4s, 1958, 
Chic. June. & Union Stock Yards 5s, 1915, 
Chicago, Milwaukee & St. Paul 4s, 1934, 
Chicago & North Western 5s, 1933, 
Concord & Montreal 4s, 1920, . 
Delaware & Hudson 4s, 1943, 
Erie & Pittsburg 3 is, 1940, 
Fitchburg 4s, 1928, . 
Hannibal & St. Joseph 6s, 1911, 
Kansas City, Ft. Scott & Gulf 5s, 1911, 
Lake Shore & Michigan Southern 3 is, 1997, 
Lake Shore & Michigan Southern 4s, 1931, 
New England 4s, 1945, .... 
New York Central & Hudson River 3 is, 1997, 
New York Central & Hudson River 3 is, 1998, 
New York Central Lines Equip. 4is, 1918, . 
New York, New Haven & Hartford 3 is, 1947, 
New York, New Haven & Hartford 4s, 1954, 
New York, Philadelphia & Norfolk 4s, 1939, 
Norwich & Worcester 4s, 1927, . 
Old Colony 4s, 1938, 
Pennsylvania 4fs, 1921, 
Pennsylvania 4s, 1931, 
Portland & Ogdensburg 4|s, 1928, 
West End Street 4s, 1932, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
New York Telephone Co. 4is, 1939, . 
Western Electric Co., Chicago, 111., 5s, 1922, 



00 
00 
00 
00 
00 



Book Value. 

$50,000 00 
30,000 00 
25,000 00 
20,000 00 

100,000 00 
50,000 00 
50,000 00 
50,000 00 

46,762 00 
30,000 00 
73,975 00 
50,000 00 
20,000 00 
35,000 00 
54,875 00 
49,900 00 
25,000 00 
20,000 00 
48,000 00 
24,937 
23,719 
47,375 
25,000 
25,000 
24,750 00 
24,750 00 
50,000 00 
25,000 00 
17,000 00 
49,500 00 
23,906 00 
30,000 00 
70,766 00 
26,700 00 
50,000 00 
50,000 
79,700 
50,000 
50,000 
40,000 00 
30,000 00 
19,400 00 
25,000 00 
44,375 00 

48,562 00 
24,275 00 
24,750 00 

$1,852,977 00 



00 
00 
00 
00 



Rate. 
95 
93 
97 

100 
86 
99 

107 



99 
99 
97 

106 

100 
98 
96 

105 
99 
88 
97 

101 
93 

108 
99 

100 
92 
98 

100 

100 
90 
93 

100 
90 
80 

100 
83 

100 
99 
99 
99 

103 
99 

104 
96 

91 

99 

100 



Market Value. 
$47,500 00 
27,900 00 
24,250 00 
20,000 00 
86,000 00 
49,500 00 
53,500 00 
44,000 00 



00 
00 
00 
00 
00 



00 
00 
00 
00 



44,000 00 
29,700 00 
74,250 
48,500 
21,200 
35,000 
53,900 
48,000 00 
26,250 00 
19,800 00 
44,000 00 
24,250 
25,250 
46,500 
27,000 
24,750 00 
25,000 00 
23,000 00 
49,000 00 
25,000 00 
17,000 00 
45,000 00 
23,250 00 
30,000 00 
67,500 00 
24,000 
50,000 
41,500 
80,000 
49,500 
49,500 
39,600 
30,900 
19,800 00 
26,000 00 
43,200 00 

45,500 00 
24,750 00 
25,000 00 

$1,799,000 00 



00 
00 
00 
00 
00 
00 
00 
00 



ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

Incorporated. Feb. 24, 1844. Commenced business July 18, 1845. 
CHARLES H. WHEELER, President. JAMES S. PALMER, Secretary. 

Income. 

Net premiums, $26,584 77 

Gross interest on mortgages, $996.50; stocks and bonds, $463.20; 

bank deposits, $329,18, 1,788 88. 



s 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 



Gross increase in book value of bonds, . - . . . . $82 50 
Ledger assets of Salisbury and Amesbury Mutual Fire Insurance 

Co., received under reinsurance agreement, .... 15,679 07 

From all other sources, ........ 262 17 

Total income, $44,397 39 

Ledger assets, Dec. 31, 1909, 40,188 70 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . . . . . 

Inspections and surveys, .... 

State iaxes on premiums, 

Gross loss on sale of bonds, .... 

Vaughan Machine Co. bond charged off, . 
Borrowed money repaid, .... 

Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A) , . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest accrued on : — 
Mortgages, $122.63; bonds, $166.65, . . 289 28 

Gross assets, . 

Assets not admitted. 

Agents' balances over three months due, . 

Book value of stocks and bonds over market value, 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, including $1,500 resisted, . 
Unearned premiums on outstanding risks, 



$84,586 09 


$14,976 76 


80 30 


257 91 


4,742 10 


2,444 46 


292 00 


444 69 


137 05 


549 03 


21 51 


15 13 


274 99 


530 40 


1,016 00 


4,250 00 


20 83 


55 45 


$30,108 61 


$54,477 48 


$17,575 00 


17,000 00 


13,737 72 


6,164 76 


$54,477 48 



• 


$54,766 76 


$431 21 
150 00 


581 21 


• 


$54,185 55 


• 


$3,235 20 
41,466 21 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



9 



Dividends due policy holders, 

State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$51 80 
78 96 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

. $6,668,936 00* 
2,508,459 00 



$44,832 17 
9,353 38 

$54,185 55 



Cash Prem's. Conting't Prem's. 

$73,065 82* $73,065 82* 
32,716 70 32,716 70 



$9,177,395 00 
2,341,105 00 

$6,836,290 00 
690,433 00 

$6,145,857 00 



$105,782 52 $105,782 52 
23,282 12 23,282 12 



$82,500 40 
2,746 42 

$79,753 98 



$82,500 40 



Miscellaneous. 

Net premiums received from organization of company, . . $183,931 42 

Net losses paid from organization of company, . . . 134,387 10 

Cash dividends paid policy holders from organization of company, 257 91 

Losses incurred during the year, ...... 14,579 34 

Dividends to policy holders during 1910, 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
10 shares Hereford, .... 

Railroad Bonds. 
Metropolitan Street, Kansas City, 5s, 1913, 
Milford, Attleboro & Woonsocket 5s, 1919, 

Miscellaneous Bonds. 
Arlington Gas Light Co. 5s, 1927, 
Michigan State Telephone Co. 5s, 1924, 
Milford Elec. Lt. & Power Co. 5s, 1929, 
Northampton Electric Light Co. 5s, 1927, 
Plymouth Electric Light Co. 5s, 1925, 
Spencer Gas Co. 5s, 1929, 



Book Value. 


Rate. 


Market Value. 


$1,000 


00 


90 


$900 


00 


2,000 


00 


98 


1,960 


00 


2,000 


00 


102 


2,040 


00 


1,000 


00 


100 


1,000 


00 


5,000 


00 


99 


4,950 


00 


2,000 


00 


100 


2,000 


00 


1,000 


00 


100 


1,000 


00 


1,000 


00 


100 


1,000 


00 


2,000 


00 


100 


2,000 


00 


$17,000 


00 


$16,850 


00 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTHPORT. 

Incorporated March 2, 1833. Commenced business Aug. 1, 1833. 
ALPHONSO L. WEEKES, President. JOHN H. CLARK, Secretary. 

Income. 

Net premiums, $47,149 18 

Gross interest on mortgages, $30.25; stocks and bonds, $5,363.99; 

gross rents, for company's own occupancy, $200, . . 5,594 24 

Dividend National Bank of Republic, in liquidation, . . 25 00 

Sale of rights, 377 30 



* Includes business of Salisbury and Amesbury Mutual Fire Insurance Company. 



10 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



Premium on reduction in capital of First National Bank, Yar- 
mouth, . . . . . . . • . 

From all other sources, .......'. 

Total income, ........ 

Ledger assets, Dec. 31, 1909, ....... 

Total, . . 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Maps, including corrections, .... 
Underwriters' boards and tariff associations, 
Repairs and expenses on real estate, 
Taxes on real estate, . . . 
State taxes on premiums, .... 
Premium on bonds purchased, 
All other disbursements, 

Total disbursements, .... 

Balance, . ... 

Ledger Assets. 
Book value of real estate, ..... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Bills receivable, ....... 

Total ledger assets, 

Non-Ledger Assets. 

Interest accrued on : — 
Bonds, $1,277.83; other assets, $2,202.72, . 
Market value of stocks and bonds over book value, . 

Gross assets, . . . . 

Liabilities. 

Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 

Total, . m 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$245 00 
3 55 



$53,394 27 
118,311 41 



$171,705 68 


$12,286 78 


54 70 


24,859 20 


6,954 00 


200 00 


229 73 


235 47 


20 00 


238 43 


43 95 


18 75 


467 73 


161 25 


249 44 


$46,019 43 


$125,686 25 


$1,000 00 


116,149 11 


147 50 


3,341 64 


5,000 00 


48 00 


$125,686 25 


3,480 55 


15,806 64 


$144,973 44 


$600 00 


71,150 43 


390 79 


10 00 


122 60 



$72,273 82 
72,699 62 

$144,973 44 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



11 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $7,774,533 00 $134,863 96 $134,863 96 

2,660,829 00 47,240 28 47,240 28 



$10,435,362 00 
2,561,051 00 



$182,104 24 $182,104 24 
45,558 01 45,558 01 



$7,874,311 00 $136,546 23 $136,546 23 



Miscellaneous. 
Net premiums received from organization of company, . . $1,293,522 68 
Net losses paid from organization of company, . . . 358,383 34 

Cash dividends paid policy holders from organization of company, 800,390 52 
Losses incurred during the year, ...... 10,738 43 

Dividends to policy holders during 1910, 50 and 60 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
12 shares Chicago & Northwestern, 
15 " New York, New Haven & Hartford, 

9 " N. Y., N. H. & Hartford (75% paid), 
70 " Old Colony, 
10 " Southern Pacific, 
30 " Union Pacific, common, 

8 " Union Pacific, preferred, 
20 " West End Street, preferred, 
30 " West End Street, common, 

Bank Stocks. 
10 shares Falmouth National, 
10 

7 

8 

6 
15 



First National, Hyannis, Mass., 
First National, Boston, 
First National, Yarmouth, Mass. 
National Shawmut, Boston, 
State National, Boston, 



Miscellaneous Stocks. 
50 shares Massachusetts Real Estate Co 

State and Municipal Bonds. 
Massachusetts 3 Is, 1935, . 
Salem, Mass., 4|s, 1914, . 
Waltham, Mass., 4Js, 1918, 
Yarmouth, Mass., notes, 4s, 1912, 
Yarmouth, Mass., 4s, 1913-14, . 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Boston Elevated 4|s, 1937, 
Boston & Maine 4s, 1942, 
Boston & Maine 4s, 1937, 
Chicago, Burlington & Quincy 3Js, 1949, 
Chicago & Eastern Illinois 6s, 1934, . 
Chicago & Eastern Illinois equip. 4Js, 1912-13, 
Chicago Junction & Union Stock Yards 5s, 1915, 
Chicago & Northwestern 4s, 1926, 
Concord & Montreal 4s, 1920, . 

Fitchburg 4s, 1915, 

Illinois Central (Cairo Bridge) 4s, 1950, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
Lynn & Boston 5s, 1924, .... 
New York Central (Mich. Cen. col.) 3}s, 1998, 
N. Y., N. H. & H. (H. R. & Pt. C. Div.) 4s, 1954, 
N. Y., N. H. & Hartford conv. 3|s, 1956, . 
N. Y., N. H. & H. conv. deb. cert. 6s, 1948, 
Oregon Short Line 5s, 1946, 



Book Value. 

$1,200 00 

1,500 00 

849 11 
7,000 00 

600 00 
3,000 00 

600 00 
2,000 00 
2,500 00 

1,000 00 

1,000 00 

700 00 

800 00 

600 00 

1,500 00 

1,000 00 

1,000 00 

2,000 00 

1,000 00 

2,000 00 

3,800 00 



1,000 
1,000 
9,000 
3,000 
1,000 
1,000 
3,000 
2,000 
5,000 
3,000 
4,000 
2,000 
8,000 00 
1,000 00 
1,000 00 
1,000 00 
10,000 00 
1,500 00 
1,000 00 
1,000 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



Rate. 
145 
151 
148 
191 
117 
173 
93 
207 
182 

100 
140 
400 
133 
380 
175 

20 

95 
102 
103 
100 

99 

100 

106 

96 

96 

88 

126 

99 

101 

100 

99 

99 

96 

94 

93 

105 

80 

100 

101 

134 

112 



Market Value. 

$1,740 00 
2,265 00 
1,050 75 

13,370 00 
1,170 00 
5,190 00 
744 00 
2,070 00 
2,730 00 



1,000 
1,400 
2,800 
1,064 
2,280 
2,625 



00 
00 
00 
00 
00 
00 



1,000 00 

950 00 

2,040 00 

1,030 00 

2,000 00 

3,762 00 



1,000 
1,060 
8,640 
2,880 

880 
1,260 
2,970 
2,020 
5,000 
2,970 
3,960 
1,920 
7,520 

930 
1,050 

800 

10,000 00 

1,515 00 

1,340 00 

1,120 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



12 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



Portland & Ogdensburg 4|s, 1928, 
Terminal Association of St. Louis 4£s, 1939, 
United Tr. & El. Co., Prov., R. L, 5s, 1933, 
West End Street 4s, 1917, 
Worcester Consolidated Street 4§s, 1930, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
Western Telephone & Telegraph Co. 5s, 1932, 



Book Value. 


Rate. 


Market Value. 


$3,000 00 
3,000 00 
1,000 00 
3,000 00 
3,000 00 


104 
106 
105 
98 
101 


$3,120 00 
3,180 00 
1,050 00 
2,940 00 
3,030 00 


4,000 00 
4,000 00 


91 

97 


3,640 00 
3,880 00 


$116,149 11 


$131,955 75 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, PITTSFIELD. 

Incorporated March, 1835. Commenced business August, 1835. 
HENRY R. PEIRSON, President. J. M. STEVENSON, Secretary. 

Income. 
Net premiums, ........ 

Gross interest on, mortgages, $640; stocks and bonds, $7,323.05 

all other, $16.34, 
Sale of rights, 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Maps, including corrections, 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Gross loss on maturity of bonds, 

Gross decrease in book value of stocks, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances and office premiums, 

Total ledger assets, . . 



$73,165 03 

7,979 39 
375 00 



$81,519 42 
171,105 56 



$252,624 98 


$21,530 48 


358 24 


17,810 88 


10,952 43 


117 85 


5 543 20 


1,050 00 


1,228 10 


586 08 


335 60 


85 90 


378 39 


155 02 


896 83 


733 46 


218 00 


1,662 50 


375 00 


29 03 


894 82 


$64,941 81 


$187,683 17 


$12,800 00 


159,577 79 


1,216 79 


4,388 90 


9,699 69 


$187,683 17 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



13 



Non-Ledger Assets. 
Interest accrued on bonds, .... 
Market value of stocks and bonds over book value, 



Gross assets, 



Liabilities. 



Unpaid losses, $585.97; less reinsurance, $17.75, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$871 65 
23,654 21 


$212,209 03 

$568 22 

101,282 04 

807 23 

466 11 

449 26 

450 20 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$14,867,359 00 
6,581,255 00 



Cash Prem's. 

$205,050 79 

87,958 22 



$104,023 06 
108,185 97 

$212,209 03 



Conting't Prem's. 

$205,050 79 

87,958 22 



$21,448,614 00 
5,240,385 00 

$16,208,229 00 
1,667,849 00 



$293,009 01 $293,009 01 
73,847 36 73,847 36 



$219,161 65 $219,161 65 
21,658 79 



$14,540,380 00 $197,502 86 



Miscellaneous. 
Net premiums received from organization of company, . . $1,307,790 54 
Net losses paid from organization of company, . . . 513,477 46 

Cash dividends paid policy holders from organization of company, 452,183 43 
Losses incurred during the year, ...... 21,848 70 

Dividends to policy holders during 1910, 20, 30 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 

10 shares Baltimore & Ohio, preferred, 
100 " Boston & Albany, 

50 " Chicago & Northwestern, . 

50 " Chic, St. Paul, Minn. & Omaha, 

80 " N. Y. Central & Hudson River, 
100 " Pennsylvania, .... 
Bank Stocks. 

10 shares Agricultural National, Pittsfield, 

10 " First National, Adams, 
4 " Lee National, . 

10 " Lenox National, 

10 " North Adams National, 

58 " Pittsfield National, . 

12 " Third National, Pittsfield, 

Miscellaneous Stocks. 
100 shares Adams Express Company, 
100 " American Telephone & Telegraph Co, 



Book Value. 


Rate. 


Market Value. 


$913 


78 


91 


$910 00 


15,305 


20 


225 


22,500 00 


7,782 


50 


145 


7,250 00 


6,829 


37 


140 


7,000 00 


11,751 


11 


113 


9,040 00 


6,328 


75 


129 


6,450 00 


2,000 


00 


300 


3,000 00 


1,337 


50 


100 


1,000 00 


704 


00 


168 


672 00 


1,020 


00 


200 


2,000 00 


1,250 


00 


125 


1,250 00 


10,145 


50 


175 


10,150 00 


1,500 


00 


240 


2,880 00 


11,061 


25 


245 


24,500 00 


12,129 


75 


143 


14,300 00 



14 



BOSTON MANUFACTURERS MUTUAL FIRE INSURANCE CO. 



Railroad Bonds. 
Baltimore & Ohio prior lien 3|s, 1925, 
Chicago, Burl. & Quincy (111. Div.) 3£s, 1949, 
Chicago & Northwestern 5s, 1929, 
Chicago, Rock Is. & Pac. 1st ref. 4s, 1934, . 
Greenfield & Turners Falls Street 1st 5s, 1916, . 
Northern Maine Seaport 1st 5s, 1935, 
Old Colony Street 1st ref. 4s, 1954, . 
St Paul & Sioux City 1st 6s, 1919, . 
United Tr. & Elec. Co., Providence, 1st 5s, 1933, 
Worcester Consolidated Street deb. 5s, 1927, 

Miscellaneous Bonds. 
Adams Express Company 4s, 1947, 
American Telephone & Telegraph Co. 4s, 1929, . 
Bing. Lt., Heat & Power Co. 1st ref. 5s, 1942, 
Western Union Telegraph Co. 4|s, 1950, 



Book Value. 


Rate. 


Market Value. 


$4,735 00 


93 


$4,650 00 


4,486 25 


88 


4,400 00 


4,496 25 


106 


4,240 00 


4,312 50 


90 


4,500 00 


4,085 00 


100 


4,000 00 


5,387 50 


103 


5,150 00 


4,100 00 


88 


4,400 00 


1,270 00 


112 


1,120 00 


4,570 00 


105 


4,200 00 


4,260 00 


104 


4,160 00 


10,500 00 


91 


13,650 00 


10,090 33 


91 


9,100 00 


1,970 00 


98 


1,960 00 


5,256 25 


96 


4,800 00 


$159,577 79 


$183,232 00 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated March 15, 1850. Commenced business Oct. 15, 1850. 
JOSEPH P. GRAY, President. H. DWIGHT HALL, Secretary. 

Office, 31 Milk Street. 

Income. 
Net premiums, ........ 

Gross interest on bonds, $89,730.86; bank deposits, $1,481.68, 
Gross profit on maturity of bonds, ..... 



$2,480,831 62 

91,212 54 

583 54 



Total income, ...... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, . . 
Printing and stationery, 
Postage, telegrams, telephone and express 
Furniture and fixtures, . 
Maps, including corrections, 
Fire department, patrol and salvage corps 
Inspections and surveys, 
State taxes on premiums, 
Insurance department licenses and fees, 
Other licenses, fees and taxes, 
Gross loss on maturity of bonds, 
Gross decrease in book value of bonds, 
All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ...... 



fees and taxes, 



$2,572,627 70 
2,217,558 87 

$4,790,186 57 



$65,577 71 

2,139,716 14 

47,804 86 

3.414 00 

5,804 71 

3,873 54 

1,211 81 

6,061 60 

206 45 

35,102 60 

25,345 63 

28 00 

10,451 29 

134 55 

2,340 00 

5,508 80 

$2,352,581 69 

$2,437,604 88 



$2,371,129 80 
94 12 



BOSTON MANUFACTURERS MUTUAL FIRE INSURANCE CO. 



15 



Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on bonds, . 
Market value of bonds over book value, . 

Gross assets, ...... 

Liabilities. 
Unpaid losses, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, . . . . . 
Surplus to policy holders, .... 

Total liabilities, including surplus, 



$44,377 40 
22,003 56 

$2,437,604 88 



35,999 57 
870 20 

$2,474,474 65 



$4,829 36 

1,220,525 40 

703 71 

19,162 76 

$1,245,221 23 

1,229,253 42 

$2,474,474 65 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $302,678,072 00 $2,236,508 69 $11,182,543 45 
. 357,025,522 00 2,569,826 07 12,849,130 35 



$659,703,594 00 
326,878,123 00 



$4,806,334 76 $24,031,673 80 
2,365,283 96 11,826,419 80 



. $332,825,471 00 $2,441,050 80 $12,205,254 00 

Miscellaneous. 
Net premiums received from organization of company, . $38,112,682 24 

Net losses paid from organization of company, . . . 4,994,247 79 

Cash dividends paid policy holders from organization of company, 29,347,252 88 
Losses incurred during the year, ...... 68,631 93 

Dividends to policy holders during 1910, 94 per cent. 



Schedule A. Bonds owned by the Company. 



State Bonds 
Massachusetts 3£s, 1935-38, 
Massachusetts 3s, 1927, . 
Massachusetts 3s, 1939, 
Massachusetts 3s, 1941, 

Railroad Bonds 
Boston & Albany 4s, 1913, 
Boston & Albany 3§s, 1952, 
Boston Elevated Co. 4|s, 1937, 
Boston & Lowell 4s, 1916, 
Boston & Maine 4§s, 1944, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Burlington & Missouri River, Nebraska 6s, 1918, 
Chicago, Burl. & Quincy Gen. 4s, 1958, 
Chicago, Milwaukee & St. P. Co. deb. 4s, 1934, 
Chicago, Milwaukee & St. P. Gen. 4s, 1989, 
Chicago, Rock Island & Pacific 4s, 1988, 
Chicago & Western Indiana 4s, 1952, 
Concord & Montreal Cons. 4s, 1920, . 
Delaware and Hudson 4s, 1943, 
Dutchess County 4£s, 1940, 
Fitchburg 3£s, 1921, 



Book Value. 

$197,970 09 

32,074 00 

44,215 00 

13,198 50 

50,000 00 
43,500 00 
50,000 00 
49,877 -50 
50,000 00 
48,000 00 
35,000 00 
63,240 45 
47,750 00 
23,750 00 
25,000 00 
20,000 00 
48,500 00 
25,000 00 
49,937 50 
42,000 00 
37,850 00 



Rate. 
95 
90 
86 

85 

99 
88 

106 
99 

105 
97 

100 

103 
97 
93 

100 
97 
93 
99 

100 

105 
94 



Market Value. 

$190,000 00 
31,500 00 
43,000 00 
12,750 00 

49,500 00 
44,000 00 
53,000 00 
49,500 00 
52,500 00 
48.500 00 
35,000 00 
63,860 00 
48,500 
23,250 
25,000 
19,400 
46,500 
24,750 
50,000 
44,100 
37,600 



00 
00 
00 
00 
00 
00 
00 
00 
00 



16 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



Illinois Central purchased lines 4s, 1952, 
Illinois Central refunding 4s, 1955, 
Kansas City, Fort Scott & Gulf 5s, 1911, . 
Long Island refunding 4s, 1949, 
Michigan Central (Grand River Val.) 4s, 1959, 
Michigan (Joliet & No. Ind. Div.) 4s, 1957, 
New York Central & Hudson River deb. 4s, 1934, 
New York Central (Lake Shore Col.) 3 is, 1998, 
New York, New Haven & Hartford 3§s, 1947, 
New York, New Haven & Hartford 4s, 1914, 
New York, New Haven & Hart. conv. 6s, 1948, 
New York, New Haven & Hartford 5s, 1912, 
New York, Philadelphia & Norfolk 4s, 1939, 
Nor. Pac. Gt. Nor. (C. B. & Q. Col.) 4s, 1921, 
Old Colony 4s, 1924, .... 

Old Colony 4s, 1938, .... 

Pennsylvania Co. guaranteed 4fs, 1921, 
Pennsylvania Co. trust certificates, 3fs, 1916, 
Pennsylvania convertible 3|s, 1915, 
Pennsylvania consolidated 4s, 1948, 
Rome, Watertown & Ogdensburgh 5s, 1922, 
St. Paul, Minn. & Manitoba cons. 4s, 1933, 
Terminal Association of St. Louis 4s, 1953, 
United New Jersey R. R. & Canal 4s, 1944, 
West End Street 4£s, 1914, 
West Shore 4s, 2361, .... 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 


Rate. 


Market Value . 


$30,000 


00 


98 


$29,400 00 


50,000 


00 


98 


49,000 00 


26,000 


00 


100 


26,000 00 


49,500 


00 


96 


48,000 00 


24,375 


00 


97 


24,250 00 


49,375 


00 


97 


48,500 00 


78,500 


00 


94 


75,200 00 


72,600 


00 


80 


64,000 00 


20,000 


00 


83 


16,600 00 


68,550 


00 


99 


69,300 00 


50,000 


00 


134 


67,000 00 


85,000 


00 


101 


85,850 00 


35,000 


00 


99 


34,650 00 


47,593 


75 


96 


48,000 00 


50,000 


00 


99 


49,500 00 


50,000 


00 


99 


49,500 00 


29,781 


25 


103 


30,900 00 


32,293 


01 


98 


32,340 00 


48,125 


00 


96 


48,000 00 


29,800 


00 


104 


31,200 00 


50,000 


00 


108 


54,000 00 


73,406 


25 


99 


74,250 00 


49,000 


00 


98 


49,000 00 


50,000 


00 


102 


51,000 00 


55,000 


00 


101 


55,550 00 


46,000 


00 


101 


50,500 00 


124,367 


50 


91 


118,300 00 


$2,371,129 


80 


$2,372,000 00 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, CAMBRIDGE. 

Incorporated March 13, 1833. Commenced business Jan. 1, 1834. 
GILBERT A. A. PEVEY, President. WILLIAM E. BURRAGE, Secretary. 

Income. 

Net premiums, $26,441 43 

Gross interest on bank deposits, $29.43; gross rents, including 

$900 for company's own occupancy, $8,955.34, . . . 8,984 77 

Commissions on reinsurance, ....... 306 45 

Dividends and return premiums on reinsurance, . . . 124 67 

Total income, ...... 

Ledger assets, Dec. 31, 1909, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . . . 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams^ telephone and express, 

Maps, including corrections, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 





$35,857 32 


• 


43,592 87 


$79,450 19 


$1,647 47 




48 83 




221 42 




4,479 26 




4,743 93 




900 00 




331 83 




462 20 




98 10 




205 38 




47 98 




2,542 03 




3,647 32 




268 02 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



17 



Insurance department licenses and fees, . 

Gross decrease in book value of stocks, 

Borrowed money repaid, . 

Interest on borrowed money, ..... 

Assessment on National City Bank stock, 
Reinsurance,. ....... 

All other disbursements, ..... 

Total disbursements, . . . . 

Balance, . . . . . . . 

Ledger Assets. 

Book value of real estate, less mortgages thereon, 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Rents accrued on company's property, 

Due from New England Telephone and Telegraph Co., 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . 
Deposit in National City Bank, Cambridge, 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ..... 
Unearned premiums on outstanding risks, 
Interest due or accrued, . . . . . 

Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 
Reinsurance,. ....... 

Total, , m 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$62 18 

1,500 00 

8,268 00 

2,917 95 

1,500 00 

716 36 

158 85 



$34,767 11 
$44,683 08 



$35,252 52 

199 46 

3,864 01 

5,367 09 



• 


$44,683 08 


• 


496 66 
80 00 


• 


$45,259 74 


$557 97 
102 80 


660 77 



Risks and Premiums. 

Risks. 

In force Dec. 31, 1909, . . $9,251,358 00 



Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



2,418,496 00 

$11,669,854 00 
4,396,737 00 

$7,273,117 00 
4,699,380 00 

$2,573,737 00 



Cash Prem's. 

$114,586 00 
32,184 52 

$146,770 52 
58,645 05 



,125 47 
56,669 06 



$44,598 97 

$305 00 

21,426 32 

239 60 

19 47 

345 23 

610 46 

11 85 

$22,957 93 
21,641 04 

$44,598 97 



Conting't Prem's. 

$114,586 00 
32,184 52 

$146,770 52 
58,645 05 

$88,125 47 



$31,456 41 



18 



CITIZENS MUTUAL INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, . . $2,209,915 88 
Net losses paid from organization of company, . . . 911,664 07 

Cash dividends paid policy holders from organization of company, 867,941 22 
Losses incurred during the year, ...... 1,952 47 

Dividends to policy holders during 1910, 10 per cent. 



CITIZENS' MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated March 7, 1848. Commenced business Oct. 6, 1846. 
GEO. W. HINKLEY, President. CHARLES F. BOWERS, Secretary. 

Office, 1/+1 Milk Street. 

Income. 

Net premiums, . . $30,654 92 

Gross interest on mortgages, $1,790.82; collaterals, $60; stocks 
and bonds, $1,335.64; bank deposits, $89.51; gross rents, 

$1,704.75, 4,980 72 

Commissions on reinsurance, . . . . . . . 10,426 27 

Dividends on reinsurance, . . . . . . . 1,453 04 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 

Rents, . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Gross loss on sale of real estate, 

Agents' balances charged off, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 



Ledger Assets. 



$47,514 95 
95,672 38 



$143,187 33 


$9,723 38 


'201 58 


12,897 47 


10,108 00 


7,029 00 


1,599 97 


665 73 


561 28 


115 00 


338 10 


134 47 


180 65 


51 38 


442 73 


822 48 


418 69 


213 26 


210 00 


600 00 


39 96 


373 08 



Book value of real estate, 
Mortgage loans on real estate, 



$46,726 21 
$96,461 12 



$14,172 45 
28,700 00 



CITIZENS MUTUAL INSURANCE CO. 



19 



Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $416.65; bonds, $624.59; collateral loans, $95.31, 
Rents due and accrued on company's property, 
Due from other companies, ...... 



Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, . 
Book value of real estate over market value, 
Book value of stocks and bonds over market value ; 
Accrued interest in default, .... 



$423 61 
372 45 

1,243 75 
135 00 



Admitted assets, 



Liabilities. 



Unpaid losses, including $800 resisted, $2,498.21; less reinsurance, 

$1,831.97, 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $422.36; reinsurance, $7,270.38, 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

$26,191,344 00 $341,183 22 

5,906,311 00 62,233 51 



$32,097,655 00 
7,269,279 00 

$24,828,376 00 
17,871,536 00 

$6,956,840 00 
Miscellaneous. 



$403,416 73 
101,489 29 

$301,927 44 
218,127 28 



,800 16 



$2,530 21 

32,998 75 

970 90 

8,331 48 

8,757 33 

$96,461 12 



1,136 55 

134 72 

747 03 



,479 42 



2,174 81 



$96,304 61 



$666 24 

38,082 51 

896 63 

2 40 

1,612 19 

22 40 

7,692 74 



,975 11 
47,329 50 

$96,304 61 



Conting't Prem's. 

$341,183 22 
62,233 51 

$403,416 73 
101,489 29 

$301,927 44 



Net premiums received from organization of company, . . $2,917,661 69 

Net losses paid from organization of company, . . . 1,025,722 89 

Cash dividends paid policy holders from organization of company, 1,426,298 25 

Losses incurred during the year, ...... 9,488 83 

Dividends to policy holders during 1910, 10 per cent. 



20 



COTTON AND WOOLEN MANUFACTURERS INSURANCE CO. 



Schedule A. Securities held as Collateral. 



Endowment policy, iEtna Life, . 
10 shares Natick National Bank, 



Miscellaneous Stocks. 
35 shares Massachusetts Elec. Co., pref., 

Railroad Bonds. 
Canadian Nor. equip, series K., 4|s, 1912, . 
Chicago, Indiana & Southern, 1st 4s, 1956, 
Cin., Hamilton & Dayton gen. 4fs, 1939, 
Detroit United 5s, 1911, . 
Flint & Pere Marquette 6s, 1920, 
Flint & Pere Mar. (Pt. Huron Div.) 5s, 1939, 
Interboro Rapid Transit 5s, 1952, 
N. Y., N. H. & Hartford, deb. 4s, 1947, 

Miscellaneous Bonds. 
Westinghouse Electric & Mfg. Co. 5s, 1931, 
Westinghouse Elec. & Mfg. Co. notes, 6s, 1913, 





Company's 


Loanec 


I 




Market Value. 


Thereon. 


. . 


$1,508 00 


$1,330 21 




2,500 00 


1,200 


00 




$4,008 00 


$2,530 21 


) OWNED BY THE 


Company. 




Book Value. 


Rate. 


Market Value . 


$2,983 


75 


87 


$3,045 


00 


2,000 


00 


99 


1,980 


00 


2,000 


00 


93 


1,860 


00 


2,000 


00 


63 


1,260 


00 


2,000 


00 


100 


2,000 


00 


1,000 


00 


110 


1,100 


00 


5,000 


00 


102 


5,100 


00 


2,000 


00 


104 


2,080 


00 


6,000 


00 


95 


5,700 


00 


5,000 


00 


92 


4,600 


00 


3,015 


00 


101 


3,030 


00 


$32,998 75 


$31,755 


00 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL INSURANCE 
COMPANY OF NEW ENGLAND. 

Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875. 
WILLIAM B. PLUNKETT, President. BENJAMIN TAFT, Secretary. 

Office, 81 Milk Street, Boston. 

Income. 

Net premiums, $489,476 67 

Gross interest on bonds, $15,925.12; bank" deposits, $1,492.84; 

all other, $22.12, . . 17,440 08 



Total income, 
Ledger assets, Dec. 31, 1909, 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes, . 
Inspection department, for inspections, maps, plans and adjust 
ment of losses, ..... 

State taxes on premiums, . . 
Insurance department licenses and fees, 
Other licenses, fees and taxes, 
Gross loss on sale of bonds, 



. $506,916 75 


425,239 00 


. $932,155 75 


$25,173 67 


410,269 29 


13,352 66 


1,231 20 


1,357 07 


771 65 


69 58 


24 65 


13,348 44 


6,646 53 


154 00 


2,002 17 


2,850 00 



COTTON AND WOOLEN MANUFACTURERS' INSURANCE CO. 21 

Gross decrease in book value of bonds, ..... $50 00 

All other disbursements, . . . . . . . 1,961 24 



Total disbursements, $479,262 15 



Balance, $452,893 60 

Ledger Assets. 

Book value of bonds (schedule A), $385,185 00 

Cash in office, . . # . . # . . . 349 20 

Deposits in trust companies and banks on interest, . . . 50,746 43 

Premiums in course of collection, ... . . . 16,612 97 



Total ledger assets, . . . . . . . $452,893 60 

Non-Ledger Assets. 
Interest due and accrued on bonds, . . . . . . 5,831 64 



Gross assets, $458,725 24 

Assets not admitted. 
Book value of bonds over market value, ..... 4,185 00 



Admitted assets, $454,540 24 

Liabilities. 

Unpaid losses, . $2,780 91 

Unearned premiums on outstanding risks, .... 244,511 53 

Salaries, expenses and accounts, due or accrued, . . . 361 37 

State, county and municipal taxes, due or accrued, . . . 6,823 80 



Total, . . . $254,477 61 

Surplus to policy holders, 200,062 63 

Total liabilities, including surplus, ..... $454,540 24 

Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

In force Dec. 31, 1909, . . $54,999,962 00 $482,297 96 $2,411,489 80 

Written during the year, . 59,883,709 00 512,733 24 2,563,666 20 



Total, .... $114,883,671 00 $995,031 20 $4,975,156 00 
Expired and terminated, . 58,185,611 00 506,008 14 2,530,040 70 



In force at end of year, . . $56,698,060 00 $489,023 06 $2,445,115 30 

Miscellaneous. 

Net premiums received from organization of company, . . $8,756,467 30 
Net losses paid from organization of company, . . . 1,672,198 98 

Cash dividends paid policy holders from organization of company, 5,890,663 54 
Losses incurred during the year, ...... 23,600 85 

Dividends to policy holders during 1910, 85 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. Book Value. Rate. Market Value. 

Fall River, Mass., 3§s, 1915 $20,000 00 98 $19,600 00 

Massachusetts 3£s, 1933, 18,000 00 95 17,100 00 



22 



DEDHAM MUTUAL FIRE INSURANCE CO. 



Railroad Bonds. 
Atchison, Topeka & Sante Fe 4s, 1928, 
Bangor & Aroostook 1st 5s, 1943, 
Bangor & Aroostook cons. 4s, 1951, 
Boston Elevated 4s, 1935, 
Boston & Lowell 3|s, 1919, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Chicago & Eastern Illinois equip. 4|s, 1914, 
Chicago, Rock Island & Pacific 4£s, 1915, 
El Paso & Rock Island 5s, 1951, 
Fitchburg 4s, 1927, .... 
Lake Shore & Michigan Southern 4s, 1931, 
Lynn & Boston 5s, 1912, . 
Maine Central 5s, 1923, . 
Maine Central 4|s f 1916, . 
Maine Central 4s, 1912, . . 

Maryland, Delaware & Virginia 5s, 1955, 
Michigan Central 1st 3§s, 1952, 
N. Y. Cen. & Hud. R. (Lake Shore col.) 3§s, 1998 
New York, Chicago & St. Louis 4s, 1931, . 
New York, New Haven & Hartford 4s, 1955, 
New York, New Haven & Hartford 4s, 1914, 
New York, Ontario & Western 5s, 1915, 
Northern Maine Seaport 5s, 1935, 
Nor. Pac. & Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Pennsylvania 3|s, 1915, 
Richmond Washington 4s, 1943, 

Miscellaneous Bonds. 
American Tel. and Tel. Co. 4s, 1929, 
American Writing Paper Co. 5s, 1919, 
New England Telephone and Tel. Co. 4s, 1930, 
New England Telephone & Tel. Co. 5s, 1919, 
Western Electric Co. 5s, 1922, . 
Western Telephone & Telegraph Co. 5s, 1912, 
Western Union Telegraph Co. 4|s, 1950, 



Book Value. 

$6,875 00 

15,000 00 

4,250 00 

6,000 00 

10,000 00 

9,643 75 

4,000 00 

4,937 50 

3,000 00 

5,000 00 

18,000 00 

14,790 00 

10,000 00 

10,000 00 

16,000 00 

3,000 00 

15,000 00 

1,960 00 

12,000 00 

9,262 50 

20,000 00 

2,980 00 

5,000 00 

20,000 00 

10,730 00 

945 00 

9,000 00 

19,875 00 
5,000 00 
28,000 00 
10,000 00 
1,992 50 
14,943 75 
20,000 00 

$385,185 00 



Rate. 

97 

107 

80 

97 

96 

97 

100 

98 

99 

103 

99 

93 

101 

108 

102 

100 

100 

87 

80 

92 

95 

99 

102 

103 

96 

96 

98 

91 

90 

94 

103 

100 

100 

96 



00 
00 
00 
00 



Market Value. 
$6,790 00 
16,050 00 

4,000 00 

5,820 

9,600 

9,700 

4,000 

4,900 00 

2,970 00 

5,150 00 
17,820 00 
15,810 00 
10,100 00 
10,800 00 
16,320 00 

3,000 00 
15,000 00 

1,740 00 
12,000 00 

9,200 00 
19,000 00 

2,970 00 

5,100 00 

20,600 00 

10,560 00 

960 00 

8,820 00 

18,200 00 
4,500 00 
26,320 00 
10,300 00 
2,000 00 
15,000 00 
19,200 00 

$381,000 00 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

Incorporated Feb. 22, 1837. Commenced business July 1, 1837. 
JAMES Y. NOYES, President. TJIEODORE T. MARSH, Secretary. 

Income. 

Net premiums, 



673.17; stocks and bonds, 
gross rents, $42, 



Gross interest on mortgages, $1, 
$5,923.41; bank deposits, $223.01 
Gross profit on sale of bonds, . 

Total income, 
Ledger assets, Dec. 31, 1909, . 



Total, 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Maps, including corrections, . 



$39,210 59 

7,861 59 
36 42 

$47,108 60 
175,898 65 

$223,007 25 



$8,900 17 

263 78 

18,244 11 

5,898 92 

36 52 

4,310 55 

270 00 

529 53 

177 22 

69 15 



DEDHAM MUTUAL FIRE INSURANCE CO. 



23 



Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

All other disbursements, ..... 

Total disbursements, . . 

Balance, ....... 

Ledger Assets. 

Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $510.15; bonds, $1,670.50, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



In force Dec 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $8,562,574 00 
2,574,435 00 



$11,137,009 00 
2,311,367 00 



$227 30 


86 52 


243 26 


81 65 


344 44 


126 46 


$39,809 58 


$183,197 67 


$1,596 86 


31,700 00 


136,394 84 


188 16 


1,350 52 


9,714 75 


2,252 54 


$183,197 67 


2,180 65 


6,050 16 


$191,428 48 


64 22 


$191,364 26 


$206 75 


68,223 69 


685 48 


200 00 


99 84 


233 51 



Cash Prem's. 

$129,764 92 
40,281 37 



$170,046 29 
36,659 89 



$69,649 27 
121,714 99 

$191,364 26 



Conting't Prem's. 

$129,764 92 
40,281 37 

$170,046 29 
36,659 89 



. $8,825,642 00 

Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, . 



$133,386 40 $133,386 40 



$949,818 40 
334,629 17 



24 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



Cash dividends paid policy holders from organization of company, $353,347 86 
Losses incurred during the year, ...... 7,094 46 

Dividends to policy holders during 1910, 25, 50 and 70 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
50 shares Atch., Topeka & Santa Fe, common, 
78 " Atch., Topeka & Santa Fe, pref., 
50 " Union Pacific, pref., . 

Bank Stocks. 
12 shares Dedham National, 

Miscellaneous Stocks. 
39 shares Dedham Water Co., . 

Municipal Bonds. 
Boston, Mass., 4s, 1921, .... 
Fall River, Mass., 4s, 1938, 
Lynn, Mass., 4s, 1919, .... 
New York, N. Y., 4£s, 1957, 
Salem, Mass., 4s, 1914, .... 

Railroad Bonds. 
Atch., Topeka & Santa Fe, gen. 4s, 1995, . 
Atch., Topeka & Santa Fe adjustment 4s, 1995, 
Boston & Albany 3 is, 1952, 
Boston & Albany 4s, 1935, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4s, 1926, 
Boston & Maine 4s, 1937, 
Boston & Maine 4Js, 1944, 
Chic, Burl. & Quincy (111. Div.) 4s, 1949, . 
Chic, Burl. & Quincy general 4s, 1958, 
Chic, Milwaukee & St. Paul gen. 4s, 1989, 
Fitchburg 4s, 1915, .... 
New York, New Haven & Hartford 4s, 1947, 
New York, New Haven & Hartford 3|s, 1954, 
New York, New Haven & Hartford 4s, 1955, 

Old Colony 3§s, 1932 

Providence Terminal 1st 4s, 1956, 
Pock Island & Frisco Terminal 1st 5s, 1927, 
St. Johnsbury & Lake Champlain 1st 5s, 1944, 
Union Pacific 4s, 1947, .... 
West End Street 4s, 1916, 



Book Value. 

$5,248 75 
1,679 00 
3,000 00 

1,200 00 

3,900 00 

2,040 00 
5,131 25 

3.356 25 
2,060 00 
3,240 00 

6,240 00 
1,720 00 
6,197 50 
4,850 00 
10,225 00 
1,022 72 
5,560 00 
7,665 00 
7,118 75 
2,000 00 
4,987 50 

5.357 50 
5,450 00 
1,950 00 
3,920 
5,150 
5,087 
8,400 
7,147 
3,423 
2,067 



00 
00 
50 
00 
50 
12 
50 



Rate. 

101 

103 

93 

107 

108 

101 
102 
101 
107 
100 

100 

92 

88 

99 

98 

97 

96 

105 

100 

97 

100 

99 

95 

83 

95 

92 

99 

103 

113 

101 

98 



Market Value. 

$5,050 00 

8,034 00 

4,650 00 

1,284 00 

4,212 00 



2,020 
5,100 
3,030 
2,140 
3,000 



00 
00 
00 
00 
00 



$136,394 84 



8,000 00 
3,680 00 
5,280 00 
4,950 00 
10,780 00 
970 00 
4,800 00 
6,300 00 
7,000 00 
1,940 00 
5,000 00 
4,950 00 
4,750 00 
1,660 00 
3,800 00 
4,600 00 
4,950 00 
8,240 00 
6,780 00 
3,535 00 
1,960 00 

$142,445 00 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

DORCHESTER. 



Incorporated February, 1855. Commenced business July, 1855. 
WILLIAM D. C. CURTIS, President. FREDERICK W. PORTER, Secretary 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $1,018.22; stocks and bonds, 

$11,181.68; bank deposits, $302.36; gross rents, including $800 

for company's own occupancy, $1,923.75, 
Gross profit on sale of stocks, 

Dividend Continental National Bank, in liquidation, 
Commission on reinsurance, .... 
Dividends on reinsurance, 
From all other sources, ..... 



Total income, 
Ledger assets, Dec. 31, 1909, 



$130,374 67 



14,426 01 

50,819 68 

20 00 

624 43 

38 12 

51 52 



$196,354 43 
283,823 24 



Total, 



$480,177 67 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



25 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, . 

Agency expenses, ...... 

Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Maps, including corrections, . . . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Gross loss on sale of real estate, 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

Agents' balances charged off, .... 

All other disbursements, .... 

Total disbursements, .... 



taxes, 



Balance, 



Ledger Assets. 



Book value of real estate, .... 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $250.49; bonds, $150, . 
Rents accrued on company's property, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 
Book value of real estate over market value, 
Mortgage loan in excess of appraisal, 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, including $300 resisted, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 



$54,992 21 
1,046 66 


57,237 32 

20,844 62 

51 74 


10,119 73 


800 00 


1,200 35 


829 38 


493 26 


677 20 


592 25 


248 77 


699 33 


645 66 


1,379 76 
117 00 


2,489 90 

90,000 00 

1,076 93 


66 18 


773 43 



$246,381 68 
33,795 99 



$31,288 13 
19,025 00 

162,690 06 

12,009 37 

8,783 43 



• 


$233,795 99 


• 


400 49 

16 00 

65,929 94 


• 


$300,142 42 


$109 89 

5,888 13 

800 00 


6,798 02 



$293,344 40 



$650 26 

210,167 73 

2,948 67 



26 FALL RIVER MANUFACTURERS' MUTUAL INSURANCE CO. 

Salaries, expenses and accounts, due or accrued, . . . $143 15 

State, county and municipal taxes, due or accrued, . . . 337 79 

Due for return premiums, $517.74; reinsurance, $94.90, . . 612 64 



Total, $214,860 24 

Surplus to policy holders, ....... 78,484 16 

Total liabilities, including surplus, $293,344 40 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's* 

$31,756,965 00 $494,890 22 $494,890 22 

9,437,782 00 140,866 34 140,866 34 



$41,194,747 00 $635,756 56 $635,756 56 
11,398,109 00 184,265 88 184,265 88 



$29,796,638 00 $451,490 68 $451,490 68 
388,004 00 5,174 33 



Net amount in force, . $29,408,634 00 $446,316 35 

Miscellaneous. 
Net premiums received from organization of company, . . $4,990,582 68 
Net losses paid from organization of company, . . . 2,405,090 82 

Cash dividends paid policy holders from organization of company, 1,737,996 43 
Losses incurred during the year, . . • . . . 51,308 29 

Dividends to policy holders during 1910, 20, 25, 30 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 

75 shares Boston & Maine, 

75 " Great Northern, preferred, 
100 " N. Y., New Haven & Hartford, . 
200 " Pennsylvania, .... 

Bank Stocks. 
67 shares Blue Hill National, Milton, 
305 " International Trust Co., Boston, 

Miscellaneous Stocks. 
300 shares American Tel. & Tel. Co., 

Miscellaneous Bonds. 
United Lead Co. 5s, 1943, 



Book Value. 


Rate. 


Market Value.. 


$10,856 07 
10,509 38 
15,512 50 

13,787 50 


120 
123 
151 
129 


$9,000 00 

9,225 00 

15,100 00 

12,900 00 


7,642 50 
55,688 06 


185 
400 


12,395 00 
122,000 00 


38,997 50 


143 


42,900 00 


9,696 55 


85 


5,100 00 


$162,690 06 


$228,620 00 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

FALL RIVER. 

Incorporated Feb. 11, 1870. Commenced business May 1, 1870. 
CHAS. S. WARING, President. JAMES W. BRIGHAM, Secretary. 

Income. 

Net premiums, $770,068 45. 

Gross interest on bonds, $29,385.36; bank deposits, $1,261.62, . 30,646 98 

Gross profit on maturity of bonds, ...... 325 00 

Total income, $801,040 43 

Ledger assets, Dec. 31, 1909, 740,635 95 

Total, .......... $1,541,676 38 



FALL RIVER MANUFACTURERS MUTUAL INSURANCE CO. 



27 



fees and taxes, 



Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express 

Furniture and fixtures, . 

Fire department, patrol and salvage corps 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

Uncollectible premiums, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $9,919.16; other assets, $83.38, . 

Gross assets, ...... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 

Risks and Premiums. 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks. 

$92,807,119 00 
108,517,931 00 

$201,325,050 00 
99,890,056 00 



$26,589 65 


678,907 36 
10,315 16 


890 00 


659 76 


628 47 


38 58 


33 65 


12,621 72 

7,877 17 
58 00 


3,328 71 


395 00 


181 07 


245 83 


. $742,770 13 


. $798,906 25 


. $733,461 75 
76 41 


44,610 00 
20,758 09 


. $798,906 25 



Cash Prem's. 

$700,479 43 
798,581 67 

$1,499,061 10 
741,181 01 



10,002 54 

$808,908 79 



661 75 

$808,247 04 

$2,039 31 

378,940 05 

20 55 

6,296 45 

$387,296 36 

420,950 68 

$808,247 04 



Conting't Prem's. 

$3,502,397 15 
3,992,908 35 

$7,495,305 50 
3,705,905 05 



$101,434,994 00 $757,880 09 $3,789,400 45 



28 



FITCHBURG MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, . $11,101,345 06 

Net losses paid from organization of company, . . . 1,470,816 20 

Cash dividends paid policy holders from organization of company, 8,641,013 53 
Losses incurred during the year, ...... 27,452 86 

Dividends to policy holders during 1910, 95.287 per cent. 



Schedule A. Bonds owned by the Company. 



Municipal Bonds. 
Boston, Mass., 4s, 1913, .... 
Cleveland, Ohio, 4s, 1923, 
Newport, R. I., 4s, 1923, .... 
Taunton, Mass., 4s, 1922, 

Railroad Bonds. 
Atchison, Topeka & Santa Fe gen. 4s, 1995, 
Baltimore & Ohio 4|s, 1913, 
Boston & Maine 4s, 1942, 
Boston & Providence 4s, 1918, . 
Canada Southern (extended) 6s, 1913, 
Chicago, Burl. & Quincy (Neb. Ex.) 4s, 1927, 
Chicago, Milwaukee & St. Paul deb. 4s, 1934, 
Concord & Montreal first 4s, 1920, . 
Erie (Pennsylvania collateral) 4s, 1951, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
Long Island refunding 4s, 1949, 
Maine Central notes 4Js, 1912, . 
New York Central & Hudson 4s, 1934, 
N. Y. Cent. & Hud. (Lake Shore col.) 3£s, 1998, 
N. Y., N. H. & Hartford deb. 4s, 1956, 
N. Y., N. H. & Hartford notes, 4£s, 1911, . 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Old Colony 4s, 1938, .... 

Pennsylvania convertible 3|s, 1915, 
Phila., Wilmington & Baltimore 4s, 1932, . 
Pittsburg, Bessemer & Lake Erie 1st 5s, 1947, 
Union Pac. 1st and land grant 4s, 1947, 
West End Street 4|s, 1914, 
West End Street 4s, 1915, 
West End Street 4s, 1917, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
New York Telephone Co. gen. 4|s, 1939, 



Book Value. 
$40,000 00 
25,000 00 
20,000 00 
15,000 00 

19,897 50 
14,765 63 
10,000 00 
20,000 00 

5,000 00 
15,000 00 
37,806 25 
15,000 00 

9,528 50 
29,850 00 
22,813 95 
19,850 00 
13,982 50 
38,569 00 
12,243 75 
36,882 50 
10>000 00 
44,058 17 
30,000 00 
46,105 25 
19,800 00 
20,000 00 
20,000 00 
35,000 00 
20,000 00 
14,906 25 

37,721 25 
14,681 25 

$733,461 75 



Rate. 

100 

101 

101 

101 

100 

100 

96 

99 

103 

99 

93 

99 

87 

94 

93 

96 

100 

94 

80 

94 

100 

96 

99 

96 

100 

115 

101 

101 

99 

98 

91 
99 



Market Value. 

$40,000 00 

25,250 00 

20,200 00 

15,150 00 



00 
00 
00 
00 
00 
00 
00 
00 



20,000 
15,000 

9,600 
19,800 

5,150 
14,850 
37,200 
14,850 

8,700 00 
28,200 00 
23,250 00 
19,200 00 
14,000 00 
37,600 00 
12,000 
37,600 
10,000 
43,200 
29,700 00 
48,000 00 
20,000 00 
23,000 00 
20,200 00 
35,350 00 
19,800 00 
14,700 00 

36,400 00 
14,850 00 

$732,800 00 



00 
00 
00 
00 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, FITCHBURG. 

Incorporated March 23, 1847. Commenced business Sept. 1, 1847. 
LINCOLN R. WELCH, President. CHESTER A. CLEGG, Secretary. 

Income. 

Net premiums, ....... 

Gross interest on mortgages, $759.93; collaterals, $645.45; stocks 
and bonds, $5,946.03; bank deposits, $221.21; gross rents, in- 
cluding $1,200 for company's own occupancy, $5,716, 

Gross profit on sale of bonds, . 

Gross increase in book value of stocks, 

Borrowed money, .... 

Agents' balances previously charged off, 

From all other sources, . 

Total income, . . » . 

Ledger assets, Dec. 31, 1909, . 

Total, 



$140,158 63 



13,288 62 

450 00 

1,500 00 

15,000 00 

3 99 

38 23 

$170,439 47 
224,207 28 

$394,646 75 



FITCHBURG MUTUAL FIRE INSURANCE CO. 



29 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Gross loss on sale of bonds, .... 

Gross decrease in book value of real estate, 
Borrowed money repaid, .... 

Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $389.37; bonds, $741.66; collateral loans, $147.23, 
Rents due on company's property, ..... 
Market value of stocks and bonds over book value, . 

Gross assets, ........ 

Liabilities. 
Unpaid losses, including $1,500 resisted, .... 
Unearned premiums on outstanding risks, 
Dividends due policy holders, . . 

Salaries, expenses and accounts, due or accrued, 



$62,194 40 


867 45 


34,445 21 


17,545 32 


180 18 


1,069 75 


9,267 59 


1,200 00 


1,347 92 


1,181 28 


51 17 


313 32 


1,073 78 


693 63 


99 82 


4,401 10 


2,363 21 


884 61 


1,886 18 


786 13 


447 50 


2,500 00 


10,000 00 


404 46 


787 21 


$155,991 22 


$238,655 53 


$60,000 00 


11,955 00 


13,000 00 


127,711 84 


883 52 


8,128 35 


16,976 82 


$238,655 53 


1,278 26 


354 00 


9,743 16 


$250,030 95 


$6,224 98 


160,796 49 


1,425 22 


316 86 



30 



FITCHBURG MUTUAL FIRE INSURANCE CO. 



State, county and municipal taxes, due or accrued, 
Borrowed money, ...... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



51,169 79 
5,000 00 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

$24,635,868 00 $329,481 87 

11,455,748 00 155,363 30 



$174,933 34 
75,097 61 

$250,030 95 



Conting't Prem's. 

$329,481 87 
155,363 30 



$36,091,616 00 
10,835,181 00 

$25,256,435 00 
1,153,674 00 



$484,845 17 $484,845 17 
146,746 12 146,746 12 



$338,099 05 $338,099 05 
13,453 46 



$24,102,761 00 $324,645 59 



Miscellaneous. 

Net premiums received from organization of company, . . $4,950,532 32 

Net losses paid from organization of company, . . . 2,346,997 32 

Cash dividends paid policy holders from organization of company, 1,440,448 16 

Losses incurred during the year, ...... 63,916 45 

Dividends to policy holders daring 1910, 20, 30 and 40 per cent. 

Schedule A. Securities held as Collateral. 



40 shares Simonds Manufacturing Co. 
50 " Grant Manufacturing Co., 
54 " Simonds Manufacturing Co. 



Railroad Stocks. 
10 shares Boston & Maine, 
20 rights Boston & Maine, 
70 shares Fitchburg, .... 

50 " New York, New Haven & Hartford, 
100 " Pennsylvania, .... 

Bank Stocks. 
10 shares Fitchburg National, 
20 " Fitchburg Safe Dep. 
15 " Springfield Safe Dep. 

Miscellaneous Stocks. 

100 shares American Telephone & Telegraph Co. 
25 " Lowell Gas Light Co., 
50 " New England Tel. & Tel. Cc 

100 " Pullman Co 

State and Municipal Bonds. 

Cordele, Ga., 5s, 1932, 

Fitchburg, Mass., 4s, 1922-23, . 

Hartford, Conn., 3|s, 1954, 

Lincoln, Mass., 3|-s, 1932, 

Marietta, Ga., 5s, 1939, . 

Massachusetts 3^s, 1935, . 

New Haven, Conn., 4s, 1934, 

Pawtucket, R. I., 4s, 1944, 

Stamford, Conn., 4s, 1934-38, . 



& Trust Co., 
& Trust Co., 





Company's 


Loaned 




Market Value. 


Thereon. 


. . 


$6,000 00 


$3,000 00 


. 


7,500 00 


5,000 00 


• 


8,100 00 


5,000 00 




$21,600 00 


$13,000 00 


NED BY THE 


Company. 


Book Value. 


Rate. 


Market Value. 


$2,000 


00 


120 


$1,200 00 


55 


00 


2i 


50 00 


7,930 


00 


130 


9,100 00 


7,340 


50 


151 


7,550 00 


6,240 


62 


129 


6,450 00 


1,000 


00 


170 


1,700 00 


3,000 


00 


150 


3,000 00 


1,500 


00 


210 


3,150 00 


11,664 


92 


143 


14,300 00 


5,476 


00 


299 


7,475 00 


6,455 


95 


139 


6,950 00 


14,078 


50 


159 


15,900 00 


5,420 


00 


107 


5,350 00 


5,088 


60 


101 


5,050 00 


933 


75 


92 


920 00 


2,820 


00 


95 


2,850 00 


5,550 


00 


108 


5,400 00 


4,887 


50 


95 


4,750 00 


3,060 


00 


100 


3,000 00 


2,017 


50 


99 


1,980 00 


6,055 


50 


98 


5,880 00 



GRAIN DEALERS MUTUAL FIRE INSURANCE CO. 



31 



Waltham, Mass., 3£s, 1919, 
Willimantic, Conn., 4s, 1934, 
Woonsocket, R. I., 4s, 1935, 

Railroad Bonds. 
Boston Elevated 4s, 1935, 
Fitchburg 4s, 1925, . 
Fitchburg & Leominster Street 5s, 1917, 
Lake Shore & Michigan Southern 4s, 1931, 

Miscellaneous Bonds. 
United Fruit Co. 4£s, 1923, 



Book Value. 


Rate. 


Market Value. 


$2,917 50 
3,000 00 
1,005 00 


96 

99 

100 


$2,880 00 
2,970 00 
1,000 00 


4,000 00 
2,000 00 
5,000 00 
4,350 00 


97 

99 

103 

93 


3,880 00 
1,980 00 
5,150 00 
4,650 00 


2,865 00 


98 


2,940 00 


$127,711 84 


$137,455 00 



GRAIN DEALERS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated Feb. 27, 1907. Commenced business July 10, 1907. 
DEAN K. WEBSTER, President. A. SHIRLEY LADD, Secretary 

Office, Chamber of Commerce Building. 

Income. 

Net premiums, ....... 

Gross interest on bonds, $844.26; bank deposits, $119.37, 
Gross profit on maturity of bonds, .... 

Dividends on reinsurance, ..... 

Commission on reinsurance, ..... 



Total income, . . . 

Ledger assets, Dec. 31, 1909, plus $147.09 error in 1909 return, 

Total, . . 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express 
Legal expenses, .... 

Furniture and fixtures, . 

Fire department, patrol and salvage corps 

Inspections and surveys, 

State taxes on premiums, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 



fees and taxes, 



,811 23 

963 63 

15 00 

1,303 16 

2,048 77 



$43,141 79 
39,610 82 

$82,752 61 



296 08 


7,255 42 

7,473 20 

440 18 


796 51 


803 68 


252 68 


755 58 


28 42 


1,248 10 


342 57 


186 59 


$38,384 18 


$44,368 43 


$39,069 40 
103 00 


3,281 84 


1,914 19 


$44,368 43 



32 



GRAIN DEALERS MUTUAL FIRE INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on bonds, .... 

Gross assets, ...... 

Assets not admitted. 
Premiums over three months due, . 
Book value of bonds over market value, . 



$585 58 



$44,954 01 



$33 75 
119 40 



153 15 



Admitted assets, . . . . . 

Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $20.40; reinsurance, $1,304.11, 

Total, 

Surplus to "policy holders, ..... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . 



Risks and Premiums. 

Risks. 

$2,074,498 00 
2,811,052 00 



Cash Prem's. 

$41,708 12 
56,639 59 



$4,885,550 00 
2,223,384 00 

$2,662,166 00 
693,469 00 



$98,347 71 
44,363 78 



$44,800 86 



$19,935 04 

213 00 

7 78 

134 50 

1,324 51 

$21,614 83 
23,186 03 

$44,800 86 



Conting't Prem's. 

$41,708 12 
56,639 59 

$98,347 71 
44,363 78 



$53,983 93 $53,983 93 
14,113 85 



$1,968,697 00 $39,870 08 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 15 and 20 per cent. 

Schedule A. Bonds owned by the Company. 

Book Value. Rate. 

$2,922 90 99 

2,002 50 100 

1,040 00 102 



State and Municipal Bonds. 
Maine 3s, 1912, 
Meriden, Conn., 4s, 1911, 
Waltham, Mass., 4fs, 1916, 

Railroad Bonds 
Baltimore & Ohio 4Js, 1913, 
Boston & Albany 4s, 1934, 
Boston & Maine 3Js, 1921, 
Boston & Maine 4|s, 1929, 
Boston & Northern Street 4s, 1954, 
Lake Shore & Michigan Southern 4s, 1931, 
N. Y., N. H. & Hartford 4s, 1955, 
N. Y., N. H. & Hartford 4s, 1956, 
West End Street 4s, 1917, 
West End Street 4|s, 1930, 



$123,730 09 
35,889 80 
14,163 49 
13,316 31 



Market Value. 

$2,970 00 

2,000 00 

1,020 00 



1,970 
2,040 
1,857 
3,155 
2,730 
1,795 
1,870 
970 
1,995 
2,040 



00 
00 
50 
00 
00 
00 
00 
00 
00 
00 



100 
99 
93 

103 
90 
93 
95 
94 
98 

103 



2,000 
1,980 
1,860 
3,090 
2,700 
1,860 
1,900 
940 
1,960 
2,060 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



GROVELAND MUTUAL FIRE INSURANCE CO. 33 

Miscellaneous Bonds. Book Value. Rate. Market Value. 

American Tel. & Tel. Co., col. trust 4s, 1929, . $4,652 50 91 $4,550 00 

Detroit Edison Co. 5s, 1933, .... 3,000 00 101 3,030 00 

Minneapolis Gas Light Co. 5s, 1930, . . . 2,029 00 100 2,000 00 

Portland General Electric Co. 5s, 1935, . . 3,000 00 101 3,030 00 

$39,069 40 $38,950 00 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, GROVELAND. 

Incorporated March 8, 1828. Commenced business March 28, 1828. 

WILLIAM T. PIKE, President. LOUIS A. WOODBURY, Secretary. 

[Note. — This company relies upon assessments on deposit notes to pay losses and expenses.] 

Income. 

Assessments,. . . . . . . . . . $811 10 

Policy fees, . . . . . . . . . 366 50 

Borrowed money, ......... 4,900 00 



Total income, $6,077 60 

Ledger assets, Dec. 31, 1909, 92 65 

Total, . . . . . . . . . . $6,170 25 

Disbursements. 

Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Salaries, fees, etc., of officers and employees, 

Rents, .......... 

Advertising, printing and stationery, .... 

Postage, telegrams, telephone and express, 

State taxes on assessments, ...... 

Interest on borrowed money, ...... 

All other disbursements, .... 

Total disbursements, . . . . 

Balance, $240 37 

Ledger Assets. 

Cash in office, . $159 11 

Deposits in trust companies and banks not on interest, . . 81 26 



$4,653 11 


29 56 


863 09 


75 00 


25 25 


51 08 


11 29 


165 00 


56 50 


$5,929 88 



Total ledger assets, $240 37 

Non-Ledger Assets. 

Supplies, printed matter and stationery, ..... 20 00 

Furniture, fixtures and safes, ....... 290 00 



Gross assets, $550 37 

Assets not admitted. 
Supplies, printed matter and stationery, . . . $20 00 

Furniture, fixtures and safes, . . . . 290 00 310 00 



Admitted assets, $240 37 



34 



HAMPSHIRE MUTUAL FIRE INSURANCE CO. 



Liabilities. 
Interest due or accrued on borrowed money, 
Salaries, expenses and accounts, due or accrued, 
Borrowed money, ...... 



Total liabilities, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 



Risks . 

$1,845,186 00 
445,498 00 

$2,290,684 00 
429,594 00 



$45 00 

209 00 

5,500 00 



$5,754 00 



Conting't Prem's. 

$151,978 25 
35,507 11 

$187,485 36 
34,217 18 



$1,861,090 00 $153,268 18 



Miscellaneous. 

Net assessments received since 1849, $101,207 70 

Net losses paid since 1850, 71,803 84 

Losses incurred during the year, .... . . 4,653 11 

Assessments laid during the year on deposit notes or contingent 

premiums, . . . . . . . . 811 10 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 

NORTHAMPTON. 

Incorporated March 6, 1830. Commenced business July 1, 1832. 
CHARLES N. CLARK, President. OLIVER WALKER. Secretary. 

Income. 

Net premiums, $16,297 85 

Gross interest on mortgages, $905; stocks and bonds, $1,700; 

bank deposits, $171.29; all other, $2.29, .... 2,778 58 

Gross profit on maturity of bonds, ...... 45 00 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, ..... 



$19,121 43 
54,013 88 

$73,135 31 



$,838 56 

68 06 

6,805 92 

2,142 51 

2,302 00 

125 00 

104 73 

74 61 

155 73 

153 97 

11 01 

167 92 



HAMPSHIRE MUTUAL FIRE INSURANCE CO. 



35 



Premiums of 1910 paid in 1909, 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, . . . 

Non-Ledger Assets. 

Interest accrued on: — 
Mortgages, $260.45; bonds, $229.14; other assets, $45.36, . 
Market value of stocks and bonds over book value, . 
Furniture, fixtures and supplies, .... . 

Gross assets, .......... 

Assets not admitted. 

Supplies, printed matter and stationery, . . . $100 00 
Furniture, fixtures and safes, ..... 500 00 



$33 60 
81 25 



Admitted assets, ..... 

Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 

Risks and Premiums. 

Risks. 

In force Dec. 31, 1909, . . $3,994,177 00 



Written during the year, 

Total, . , ; . 
Expired and terminated, 

In force at end of year, . 



1,065,149 00 

$5,059,326 00 
1,047,499 00 

$4,011,827 00 



Cash Prem's. 

$61,397 12 
16,867 66 

$78,264 78 
16,660 50 



$22,064 87 
$51,070 44 



$18,100 00 

27,821 45 

16 18 

4,457 32 

675 49 

$51,070 44 



534 95 

11,236 05 

600 00 

$63,441 44 



600 00 

$62,841 44 



$30,541 12 

204 58 

3 17 

40 65 

$30,789 52 
32,051 92 

$62,841 44 



Conting't Prem's. 

$61,397 12 
16,867 66 

$78,264 78 
16,660 50 



$61,604 28 $61,604 28 



Miscellaneous. 
Net losses paid from organization of company, . . . $366,669 02 

Losses incurred during the year, . . . . . . 8,588 56 

Dividends to policy holders during 1910, 20, 40 and 50 per cent. 



36 



HINGHAM MUTUAL FIRE INSURANCE CO. 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
63 shares Connecticut River, 
25 " Pennsylvania, .... 

Bank Stocks 
10 shares Northampton National, 

Miscellaneous Stocks. 
10 shares United States Steel Cor. pref., 

Railroad Bonds. 
N. Y., N. H. & Hartford 6s, 1948, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Union Pacific (Oregon Short Line) 4s, 1929, 
West End Street 4s, 1932, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
Massachusetts Gas Co. 4Js, 1929, 
United States Envelope Co. 5s, 1919, 
United States Steel Corporation 5s, 1963, . 



Book Value. 


Rate. 


Market Value. 


$6,650 
1,603 


00 
75 


265 
129 


$16,695 00 
1,612 50 


1,100 


00 


200 


2,000 00 


1,192 


50 


117 


1,170 00 


3,360 
6,000 
1,890 
1,062 


00 
00 
00 
50 


134 
96 
93 
96 


4,020 00 

5,760 00 

1,860 00 

960 00 


955 

977 

975 

2,055 


00 
50 
20 
00 


91 

99 

100 

104 


910 00 

990 00 

1,000 00 

2,080 00 


$27,821 


45 


$39,057 50 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

Incorporated March 4, 1826. Commenced business Sept. 1, 1826. 
FRANCIS H. LINCOLN, President. HENRY W. CUSHING, Secretary. 

Income. 

Net premiums, ' . . $77,981 97 

Gross interest on mortgages, $1,230.51; stocks and bonds, 

$10,233.56; bank deposits, $415.51; all other, $0.51; gross rents, 

for company's own occupancy, $700, 
Dividends on reinsurance, ..... 

Sale of rights, ....... 

From all other sources, ...... 

Total income, 
Ledger assets, Dec. 31, 1909, . 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policj^ holders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Taxes on real estate, ...... 

State taxes on premiums, . . . 





12,580 09 


. . 62 08 


1,240 00 


• 


35 26 


$91,899 40 


• 


. 280,369 57 


$372,268 97 


$32,548 15 




824 41 




33,818 45 




11,389 57 




133 97 




7,982 18 




700 00 




564 74 




507 57 




129 61 




27 50 




322 22 




35 53 




2,127 74 




161 33 




769 82 



HINGHAM MUTUAL FIRE INSURANCE CO. 



37 



Gross loss on sale of bonds, 
All other disbursements, 

Total disbursements, 

Balance, 



Ledger Assets. 



Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $236.89; bonds, $2,379.78; other assets, $209.97, 

Gross assets, ........ 

Assets not admitted. 
Book value of stocks and bonds over market value, . 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, ........ 

Unearned premiums on outstanding risks, 

Dividends due policy holders, ..... 

Salaries, expenses and accounts, due or accrued, . . . 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ....... 

Total, 

Surplus to policy holders, . . . . . . 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$26,876,833 00 
6,283,860 00 



$50 00 


719 78 


$92,812 57 


$279,456 40 


$7,500 00 


22,000 00 


231,600 75 


155 39 


14,917 11 


3,283 15 


$279,456 40 



2,826 64 



Cash Prem's. 

$386,239 64 
82,210 71 



$33,160,693 00 
6,859,373 00 

$26,301,320 00 
58,929 00 



$468,450 35 
104,669 94 

$363,780 41 
702 98 



$282,283 04 



9,402 25 

$272,880 79 



$75 00 

161,066 75 

903 47 

78 61 
204 55 

12 00 

$162,340 38 
110,540 41 

$272,880 79 



Conting't Prem's. 

$386,239 64 
82,210 71 

$468,450 35 
104,669 94 

$363,780 41 



$26,242,391 00 $363,077 43 



38 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, . . $3,541,430 99 
Net losses paid from organization of company, . . . 1,279,287 38 

Cash dividends paid policy holders from organization of company, 1,993,200 07 
Losses incurred during the year, ...... 31,765 86 

Dividends to policy holders during 1910, 20, 30 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
40 shares Boston Elevated, 
25 " Union Pacific, preferred, 

Bank Stocks. 
30 shares Hingham National, . 

11 " National Bank of Commerce, Boston, 

12 " National Union, Boston, 
60 " Old Colony National, Plymouth, 
22 " Webster Atlas, Boston, 

Miscellaneous Stocks. 
200 shares Helena Water Co., 

62 " Hingham Water Co., 

50 " /United Shoe Machinery Corp. pref., 
Municipal Bonds. 
Chicago, Illinois 4s, 1923, . 

Railroad Bonds 
Boston & Albany 4s, 1933, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1927, 
Boston & Maine 4s, 1926, 
Boston, Revere Beach & Lynn 4|s, 1927, 
Chicago, Burl. & Quincy (111. Div.) 3|s, 1949, 
Chicago, Burl. & Quincy (Iowa Div.) 4s, 1919, 
Current River 5s, 1927, .... 

Fitchburg 4s, 1925 

Lake Shore & Michigan Southern 4s, 1928, 
New York, New Haven & Hartford 4s, 1955, 
New York, Phila. & Norfolk income 4s, 1939, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Old Colony 4s, 1925, .... 

Union Pacific 4s, 1947, .... 
Wabash equipment 4|s, 1916, 

Miscellaneous Bonds. 
American Tel & Tel. Co. 4s, 1929, 
Helena Water Works Co. 4s, 1928, . 
Hingham Water Co. 5s, 1923-5, 



Book Value. 


Rate. 


Market Value. 


$5,765 


00 


129 


$5,160 00 


2,500 


00 


93 


2,325 00 


3,000 


00 


113 


3,390 00 


1,100 


00 


175 


1,925 00 


1,200 


00 


200 


2,400 00 


6,000 


00 


115 


6,900 00 


2,480 


00 


173 


3,806 00 


6,200 


00 


120 


7,440 00 


1,525 


00 


117 


1,462 50 


5,193 


75 


100 


5,000 00 


24,000 


00 


99 


23,760 00 


7,872 


50 


97 


7,760 00 


10,000 


00 


99 


9,900 00 


5,000 


00 


97 


4,850 00 


5,350 


00 


103 


5,150 00 


9,612 


50 


88 


8,800 00 


1,982 


50 


100 


2,000 00 


10,100 


00 


99 


9,900 00 


9,768 


75 


99 


9,900 00 


10,037 


50 


94 


9,400 00 


5,062 


50 


95 


4,750 00 


18,775 


00 


93 


18,600 00 


7,000 


00 


96 


6,720 00 


18,000 


00 


99 


17,820 00 


5,000 


00 


101 


5,050 00 


6,727 


00 


97 


6,790 00 


21,348 75 


91 


20,020 00 


10,000 


00 


- 


- 


11,000 


00 


102 


11,220 00 


$231,600 


75 


$222,198 50 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

Incorporated March 14, 1843. Commenced business May 23, 1843. 
CHARLES H. PRICE, President. LOUIS O. JOHNSON, Secretary. 

Guaranty Capital, $100,000. 



Income. 

Net premiums, . 

Gross interest on mortgages, $1,205; stocks and bonds, $37,002.22; 
bank deposits, $299.99; gross rents, including $2,000 for com- 
pany's own occupancy, $5,960, 

Gross profit on sale of stocks, 

Gross increase in book value of bonds, 

Dividends on reinsurance, 

Sale of rights, 



$190,214 89 



44,467 21 

17,450 00 

468 75 

2,640 51 

55 50 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



39 



Dividend Salem National Bank, in liquidation, . 
Dividend Naumkeag National Bank, in liquidation, 
Dividend National Bank of Republic, in liquidation, 

Total income, ..... 

Ledger assets, Dec. 31, 1909, . ... 



$2,790 00 

500 00 

250 00 

$258,836 86 

916,495 42 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends on guaranty capital, 
Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, . 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

All other disbursements, .... 

Total disbursements, .... 



Balance, 



Ledger Assets. 



Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, . . . . j . 



Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on : — 
Mortgages, $285.86; bonds, $10,334.89; other assets, $47.01, 
Rents accrued on company's property, .... 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 
Commissions on unpaid return premiums and reinsurance, 
Due from other companies, ...... 

Gross assets, . . . . . . . 



. $1,175,332 28 


. $65,930 48 


1,490 41 


7,000 00 


80,337 68 


28,482 61 


23,187 67 


2,000 00 


1,249 09 


1,074 19 


126 04 


462 70 


770 03 


789 05 


230 41 


1,811 36 


1,855 22 


937 81 


1,075 48 


488 00 


902 07 


193 75 


1,023 76 


. $221,417 81 


$953,914 47 


$47,000 00 


24,000 00 


808,264 00 


1,152 60 


45,966 99 


27,530 88 


. $953,914 47 


10,667 76 


1,355 00 


3,000 00 


43,773 00 


202 39 


24 20 


. $1,012,936 82 



40 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



Assets not admitted. 



Accrued interest in default, 



$200 00 



Admitted assets, 


• • • • 

Liabilities. 


• 


. $1,012,736 82 


Unpaid losses, $3,928.87; less reinsurance, $1.50, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, ..... 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $1,273.48; reinsurance, $345.06, 


$3,927 37 

315,713 77 

13,711 36 

325 62 

3,378 36 

1,288 22 

1,618 54 


Total, \ . • . 
Guaranty capital, . 
Surplus over all liabilities, 
Surplus to policy holders, 


• • . • 


$100,000 0( 
572,773 5£ 


$339,963 24 
) 

672,773 58 


Total liabilities, including 


surplus, 


• 


$1,012,736 82 


Risks and Premiums. 


r 




In force Dec. 31, 1909, . 
Written during the year, 


Risks. 

$44,866,299 00 
13,998,613 00 


Cash Prem's. 

$650,264 21 
200,749 0c 


Conting't Prem's. 

) $650,264 25 
J 200,749 03 


Total, . r 
Expired and terminated, 


$58,864,912 00 
13,748,974 00 

$45,115,938 00 
801,892 00 

$44,314,046 00 


$851,013 2i 
203,999 8c 


I $851,013 28 
J 203,999 83 


In force at end of year, . 
Deduct amount reinsured, 


$647,013 & 
10,421 81 


> $647,013 45 


Net amount in force, 


$636,591 6( 


) 



Miscellaneous. 

Net losses paid from organization of company, . . . $2,793,140 00 

Losses incurred during the year, ...... 61,304 65 

Dividends to policy holders during 1910, 20, 30, 40, 50 and 60 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 

50 shares Boston & Maine, 

31 ' 
100 
162 

25 



Old Colony, 

Pittsburg, Ft. Wayne & Chicago, 
Union Pacific, preferred, 
West End St., . 

Bank Stocks. 
30 shares Atlantic National, Boston, . 



10 
10 
35 
10 
50 
10 
20 
93 
100 



Beverly National, 
First National, Salem (liquid.), . 
Mercantile National, Salem, 
Merchants National, Salem, 
National Republic, Boston (liquid.), 
National Shawm ut, Boston, 
Naumkeag National, Salem (liquid.), 
Salem National (liquid.), . 
Second National, Boston, . 



Book Value. 


Rate. 


Market Value. 


$5,000 00 


120 


$6,000 00 


3,100 00 


191 


5,921 00 


10,000 00 


168 


16,800 00 


16,200 00 


93 


15,066 00 


1,250 00 


182 


2,275 00 


3,000 00 


152 


4,560 00 


1,000 00 


152 


1,520 00 


400 00 


15 


150 00 


3,500 00 


116 


4,060 00 


500 00 


170 


850 00 


- 


15 


750 00 


1,000 00 


380 


3,800 00 


— 


5 


100 00 


- 


30 


2,790 00 


10,000 00 


266 


26,600 00 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



41 



Miscellaneous Stocks. 

20 shares H. B. Claflin Co., N. Y., 1st pref. 

15 " Edison Elec. Ilium. Co., Boston, 
State, County and Municipal Bonds. 
Belmont, Mass., 3^-s, 1930, 
Beverly, Mass., 4s, 1911, . 
Beverly, Mass., 4s, 1931, . 
Beverly, Mass., 4s, 1932, . 
Boston, Mass., 3£s, 1928, . 
Cambridge, Mass., 4s, 1924, 
Concord, Mass., 3|s, 1932, 
Essex County, Mass., 4s, 1912-14, 
Essex County, Mass., 4fs, 1912-13, 
Evansville, Ind., 4|s, 1912, 
Everett, Mass., 4s, 1923-33, 
Framingham, Mass., 4s, 1925-29, 
Jersey City, N. J., 5s, 1916, 
Jersey City, N. J., 5s, 1922, 
Lawrence, Mass., 4s, 1923 op. 1913, 
Lowell, Mass., 4|s, 1913, . 
Lynn, Mass., 4s, 1918, 
Marblehead, Mass., 4s, 1913-19, 
Massachusetts, tax exempt, 3£s, 1936, 
Newton, Mass., 4s, 1936, . 
New York, N. Y., 4s, 1959, 
Orange, New Jersey, 5s, 1920, . 
Pawtucket, R. I., 4s, 1923-44, . 
Peabody, Mass., 4s, 1923-24, . 
Quincy, Mass., 3.65s, 1911, 
Salem, Mass., 3§s, 1917-18, 
Salem, Mass., 4s, 1925-26, 
Salem, Mass., 4s, 1927-28, 
St. Paul, Minn., 5s, 1913, . 
St. Paul, Minn., 4^s, 1917-18, . 
Taunton, Mass., 4s, 1915, 
Waltham, Mass., 4s, 1913, 
Waterbury, Conn., 4s, 1915-16, 
Watertown, Mass., 4s, 1912, 
Weymouth, Mass., 4s, 1925, 
Woonsocket, R. I., 4s, 1923, 
Woonsocket, R. I., 4Js, 1927, . 
Railroad Bonds. 
Atchison, Topeka & Santa Fe adjust. 4s, 1995, 
Atchison, Topeka & Santa Fe gen. 4s, 1995, 
Baltimore & Ohio prior lien 3^s, 1925, 
Baltimore & Ohio 1st 4s, 1948, . 
Boston & Lowell 4s, 1918, 
Boston & Maine 4s, 1926, 
Boston & Providence 4s, 1918, . 
Canada Southern 1st 6s, 1913, . 
Central New Jersey gen. 5s, 1987, 
Central Pacific 1st ref. 4s, 1949, . 
Central Pacific 3|s, 1929, . 
Central Vermont 1st 4s, 1920, . 
Chicago, Burlington & Quincy 5s, 1913, 
Chicago, Burl. & Quincy (Neb. ext.) 4s, 1927, 
Chicago, Burl. & Quincy (111. Div.) 3Js, 1949, 
Chicago & Western Indiana gen. 6s, 1932, . 
Cincinnati, Hamilton & Dayton gen. 5s, 1942, 
Cleveland Electric 5s, 1913, 
Cleveland, Lorain & Wheeling 1st 5s, 1933, 
Delaware & Hudson Canal 1st 7s, 1917, 
Erie & Pittsburg gen. 3fs, 1940, 
Erie (Pennsylvania collateral) 4s, 1951, 

Fitchburg 4s, 1916 

Housatonic Cons. 5s, 1937, 

Illinois Central (Cairo Bridge) 4s, 1950, 

Illinois Central purchased lines 1st 3fs, 1952, 

Illinois Central ref. 4s, 1955, 

Jamestown, Franklin & Clearfield 1st 4s, 1959, 

Kan. City, Ft. Scott & Memphis con. 6s, 1928, 
Lake Shore & Michigan Southern 4s, 1928, 

Lehigh Valley cons. 6s, 1923, . 



Book Value. 

$2,000 00 

1,500 00 

5,000 00 

10,000 00 

7,000 00 

2,000 00 

5,000 00 

5,000 00 

10,000 00 

15,000 00 

10,000 00 

6,000 00 

10,214 00 

10,000 00 

5,000 00 

3,000 00 

5,000 00 

6,600 00 

8,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

10,000 00 

15,000 00 

10,000 00 

10,000 00 

5,000 00 

3,000 00 

3,000 00 

10,000 00 

15,000 00 

3,000 00 

2,000 00 

10,000 00 

4,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 
9,000 00 

10,500 00 
1,500 00 
5,000 00 

15,000 00 
9,000 00 
5,000 00 
7,000 
3,000 
500 
2,000 

10,000 00 
5,000 00 
5,000 
8,000 

10,000 
2,000 

15,000 00 
5,000 00 
5,000 00 
5,000 00 

10,000 00 

10,000 00 
3,000 00 
5,000 00 

10,000 00 
5,000 00 

13,000 00 
5,000 00 
5,000 00 



00 
00 
00 
00 



00 
00 
00 
00 



Rate. 

95 

286 

93 
100 
104 
104 

95 
101 

93 
100 
101 
100 
100 
102 
104 
108 
100 
101 
101 
100 
100 
101 
100 
105 

99 
100 
100 

98 
101 
102 
102 
103 
101 
100 
100 
100 
100 
100 
105 

92 

100 

93 

99 

99 

97 

99 

103 

122 

97 

92 

88 

101 

99 

88 

110 

103 

100 

110 

119 

92 

87 

99 

114 

96 

86 

98 

95 

116 

94 

118 



Market Value. 

$1,900 00 

4,290 00 



00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 



4,650 
10,000 

7,280 

2,080 

4,750 

5,050 

9,300 
15,000 00 
10,100 00 

6,000 00 
10,214 00 
10,200 

5,200 

3,240 

5,000 

6,666 00 

8,080 00 

5,000 00 

5,000 00 

5,050 00 

5,000 00 
10,500 00 
14,850 00 
10,000 00 
10,000 00 

4,900 

3,030 

3,060 
10,200 
15,450 

3,030 

2,000 
10,000 00 

4,000 00 

5,000 00 

5,000 00 

5,250 00 

4,600 00 
9,000 00 
9,765 00 
1,485 00 
4,950 00 

14,550 00 
8,910 00 
5,150 00 
8,540 00 
2,910 00 
460 00 
1,760 00 

10,100 00 
4,950 00 
4,400 00 
8,800 00 

10,300 00 
2,000 00 

16,500 
5,950 
4,600 
4,350 
9,900 00 

11,400 00 
2,880 
4,300 
9,800 
4,750 

15,080 
4,700 
5,900 



00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 



42 



INDUSTRIAL MUTUAL INSURANCE CO. 



Long Island ref. 4s, 1949, . 

Me. Cent. & European & No. Am. mort. 4s, 1933, 

Narragansett Pier 1st 4s, 1916, . 

New England cons. 5s, 1945, . 

New Haven & Derby cons. 5s, 1918, . 

N. Y. Cent. & Hudson River 3Js, 1997, 

N. Y. Cent. & Hud. R. (Mich. Cent, col.) 3£s, 1998, 

N. Y. Cent. & Hud. R. (Lake Shore col.) 3 |s, 1998, 

N. Y, N. H. & H. (Harlem River-Pt. Chester) 

1st 4s 1954 
N. Y., N. H. & Hartford conv. deb. 3§s, 1956, 
N. Y, N. H. & Hartford conv. deb. 6s, 1948, 
N. Y., N. H. & Hartford deb. 4s, 1955, 
New York, Ontario & Western 4s, 1992, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
No. West. Union 1st 7s, 1917, . 
Norwich & Worcester 4s, 1927, . 

Old Colony 4s, 1924-25 

Oregon Short Line ref. 4s, 1929, 
Pennsylvania Co. 3Js, 1916, 
Pennsylvania Steel Equip. Trust 3£s, 1911, 
Pennsylvania Steel Equip. Trust 3fs, 1912, 
Peoria & Northwestern 1st 3|s, 1926, 
Princeton & Northwestern -1st S^s, 1926, 
Rich.-Wash. guar. col. tr. 4s, 1943, 
Schenectady Ry. 1st 4£s, 1941, , 
Seattle Electric 1st 5s, 1930, 
St. Paul, Minn. & Manitoba cons. 4§s, 1933 
Terminal Asso. St. Louis 1st 4|s, 1939, 
Third Avenue, N. Y., 1st cons. 4s, 2000, 
Union Pacific 4s, 1947, 
West End St. 4s, 1915, 
West End St. 4s, 1932, 

Miscellaneous Bonds. 
American Cotton Oil Co. deb. 4|s, 1915, 
American Tel. & Tel. Co. 4s, 1929, . 
Clinton Water Wks. Co., Clinton, la., 1st 5s, 1939 
Hudson River Power Trans. Co. 1st 5s, 1928, 
Salem Electric Lighting Co. 4s, 1911, 
Western Union Tel. Co. col. tr. 5s, 1938, . 
Woonsocket El. Mch. & Power Co. cons. 4|s, 1943, 



Book Value. 

$5,000 00 

4,000 00 

10,000 00 

25,000 00 

20,000 00 

3,000 00 

3,000 00 

5,000 00 

5,000 00 

9,000 00 

2,000 00 
10,000 00 
20,000 00 

5,000 

8,000 

5,000 
15,000 

5,000 

1,000 

1,000 

4,000 

8,000 
11,000 00 

5,000 00 

5,000 00 

2,000 00 
12,000 00 

6,000 00 

2,000 00* 
22,500 00 

3,000 00 
10,000 00 

10,000 00 
5,000 00 
5,000 00 
2,000 00 
2,000 00 
5,000 00 
3,000 00 

$808,264 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 



Rate. 

96 

97 

100 

117 

104 

90 

80 

80 

100 

101 

134 

95 

96 

96 

116 

99 

99 

93 

98 

100 

99 

92 

92 

98 

100 

104 

105 

106 

59 

101 

99 

96 

98 

91 
100 

45 
100 
100 

94 



Market Value. 

$4,800 00 

3,880 00 

10,000 00 

29,250 00 

20,800 00 

2,700 00 

2,400 00 

4,000 00 

5,000 00 
9,090 00 
2,680 00 
9,500 00 

19,200 00 
4,800 00 
9,280 00 
4,950 00 

14,850 
4,650 
980 
1,000 
3,960 
7,360 

10,120 00 
4,900 00 
5,000 00 
2,080 00 

12,600 00 
6,360 00 
1,180 00 

22,725 00 
2,970 00 
9,600 00 

9,800 00 
4,550 00 
5,000 00 
900 00 
2,000 00 
5,000 00 
2,820 00 

$852,037 00 



00 
00 
00 
00 
00 
00 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated April 17, 1890. Commenced business June 1, 1890. 
CHARLES T. PLUNKETT, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street 

Income. 

Net premiums, $308,445 51 

Gross interest on bonds, $12,086.01; bank deposits, $1,049.46; 

all other, $14.21, 13,149 68. 



Total income, ..... 

Ledger assets, Dec. 31, 1909, . . . 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, 



$321,595 19 
319,327 77 

$640,922 96 



$16,623 88 

259,785 22 

9,554 96 



INDUSTRIAL MUTUAL INSURANCE CO. 



43 



Rents, ......... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes, 
Inspection department, for inspections, maps, plans and adjust- 
ment of losses, ....... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of bonds, ..... 

Gross decrease in book value of bonds, 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Deposits in trust companies and banks on interest, . 

Premiums in course of collection, . . 



Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on bonds, 

Gross assets, ...... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, . . 

Total liabilities, including surplus, 

Risks and Premiums. 

Risks. 

In force Dec. 31, 1909, . . $34,599,618 00 



$810 00 
997 08 
506 79 

49 55 
13 36 

4,070 04 
4,221 89 
154 00 
1,268 48 
1,950 00 

50 00 
1,297 21 



Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



37,374,298 00 

$71,973,916 00 
36,539,267 00 



Cash Prem's. 

$306,136 28 
323,499 12 

$629,635 40 
320,743 35 



$301,352 46 
$339,570 50 



$294,999 38 
34,042 27 
10,528 85 

$339,570 50 



4,692 06 
$344,262 56 



7,609 38 
$336,653 18 



$791 44 

154,446 03 

238 5Q 

4,379 48 

$159,855 51 
176,797 67 

$336,653 18 



Conting't Prem's. 

$1,530,681 40 
1,617,495 60 

13,148,177 00 
1,603,716 75 



$35,434,649 00 $308,892 05 $1,544,460 25 



44 



LOWELL MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 85 per cent. 



Schedule A. Bonds owned 

State and Municipal Bonds. 
Fall River, Mass., 3£s, 1915, 
Massachusetts 3fs, 1933-40, 

Railroad Bonds. 
Bangor & Aroostook cons. 4s, 1951, . 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1913, 
Boston & Lowell 4s, 1916, 
Boston & Lowell 3£s, 1919, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Chicago, Indiana & Southern 4s, 1956, 
Chicago, Rock Island & Pacific 4§s, 1915, 
Colorado & Southern 4|s, 1935, 
El Paso & Rock Island 5s, 1951, 
Lynn & Boston 5s, 1912, . 
Maine Central 4|s, 1916, . 
Maine Central 4s, 1912, 
Maryland, Delaware & Virginia 5s, 1955, 
N. Y. Cent. & Hud. R. (Lake Shore col.) 3|s, 1998, 
New York, Chicago & St. Louis 4s, 1931, . 
New York, New Haven & Hartford 4s, 1955, 
New York, New Haven & Hartford 4s, 1914, 
New York, Ontario, & Western 5s, 1915, 
Northern Maine Seaport 5s, 1935, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Pennsylvania 3|s, 1915, 
Richmond Washington 4s, 1943, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
American Writing Paper Co. 5s, 1919, 
New England Tel. & Tel. Co. 4s, 1930, 
New England Tel. & Tel. Co. 5s, 1919, 
Western Electric Co. 5s, 1922, . 
Western Telephone & Telegraph Co. 5s, 1912, 
Western Telephone & Telegraph Co. 5s, 1932, 
Western Union Telegraph Co. 4|s, 1950, 



by the Company. 

Book Value. Rate. 

$15,000 00 98 

13,000 00 95 



54,380,778 91 

712,336 03 

3,133,737 68 

14,227 61 



Market Value. 

$14,700 00 

12,350 00 



3,400 
3,000 



00 
00 

75 
25 
00 



00 
50 
00 



3,926 
5,000 
4,821 
3,000 

14,437 
2,000 
5,000 00 
1,920 00 
5,000 00 
5,000 00 
3,000 .00 
5,000 00 
8,000 00 
7,432 50 

15,000 00 

980 00 

5,000 00 

15,000 00 

10,730 00 

945 00 

7,000 00 

22,485 00 

20,000 00 

20,000 00 

19,000 00 

2,988 75 

14,943 75 

3,000 00 

29,000 00 

$294,999 38 



80 

97 

100 

99 

96 

97 

100 

93 

99 

98 

103 

101 

102 

100 

100 

80 

92 

95 

99 

102 

103 

96 

96 

98 

91 

90 

94 

103 

100 

100 

97 

96 



00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 



3,200 

2,910 

1,000 

3,960 

4,800 

4,850 

3,000 
13,950 

1,980 

4,900 00 

2,060 00 

5,050 

5,100 

3,000 

5,000 

8,000 00 

7,360 00 

14,250 00 

990 00 

5,100 00 

15,450 00 

10,560 00 

960 00 

6,860 00 

20,930 00 
18,000 00 
18,800 00 
19,570 00 

3,000 
15,000 

2,910 
27,840 

$287,390 00 



00 
00 
00 
00 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

Incorporated March 6, 1832. Commenced business April, 1832. 
CHARLES A. STOTT, President. JOSEPH PEABODY, Secretary. 

Income. 

Net premiums, $74,714 67 

Gross interest on mortgages, $389.06; stocks and bonds, $7,308.90; 

bank deposits, $592.24, 8,290 20 

Gross increase in book value of bonds, . . . . 86 25 

Sale of rights, . . . . ' . . ... . 650 00 

Dividends on reinsurance, . . . . . , . 466 12 

Return premiums on reinsurance, . . . . . . 178 54 

From all other sources, . . . . . . • • . . 2,369 46 

Total income, . $86,755 24 

Ledger assets, Dec. 31, 1909, . 175,018 73 

Total, . . . . . . . . . $261,773 97 



LOWELL MUTUAL FIRE INSURANCE CO. 



45 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, ..... 

Underwriters' boards, tariff associations, fire department 

and salvage corps fees and taxes, 
State taxes on premiums, 
Other licenses, fees and taxes, 
Borrowed money repaid, 
Interest on borrowed money, . 
All other disbursements, 

Total disbursements, .... 

Balance, . . ... 

Ledger Assets. 

Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, .'..... 

Total ledger assets, 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $83.20; bonds, $1,209.02, 
Market value of stocks and bonds over book value, 



Gross assets, ...... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



patrol 



$23,271 71 


436 44 


22,500 09 


12,044 48 


9,500 00 


831 25 


620 30 


582 26 


609 25 


631 82 


744 48 


43 12 


4,500 00 


46 25 


2,311 11 


$78,672 56 


$183,101 41 


$6,900 00 


152,100 00 


15,053 83 


9,047 58 


$183,101 41 


1,292 22 


31,357 00 


$215,750 63 


$984 38 


103,707 72 


206 21 


890 00 


144 83 


330 65 



$106,263 79 
109,486 84 

$215,750 63 



46 



LOWELL MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

. $12,122,393 00 $189,999 90 

5,351,718 00 82,711 15 



$17,474,111 00 
4,127,132 00 

$13,346,979 00 
551,975 00 



$272,711 05 
66,123 09 



Conting't Prem's. 

$189,999 90 
82,711 15 

$272,711 05 
66,123 09 



$206,587 96 $206,587 96 
8,261 15 



$12,795,004 00 $198,326 81 



Miscellaneous. 
Losses incurred during the year, ..... 
Dividends to policy holders during 1910, 20, 40 and 60 per cent. 



$23,007 20 



Schedule A. .Stocks and Bonds owned by the Company. 



Railroad Stocks. 
20 shares Boston & Lowell, 
37 " Boston & Maine, 
71 " Lowell & Andover, . 
6 " Vermont & Massachusetts, 

Bank Stocks. 
16 shares Union National, Lowell, 

Miscellaneous Stocks. 
36 shares Appleton Company, Lowell, 
70 " Bigelow Carpet Company, Lowell, 
2 Hamilton Manufacturing Co., Lowell, 

15 " Hill Company, Lewiston, Me., . 

16 Lawrence Co., Lowell, 
16 " Lowell Bleachery, 

46 " Lowell Gas Light Co., 

50 " Massachusetts Cotton Mills, Lowell, 

132 " Merrimack Mfg. Co., Lowell, . 

2 " Pacific Mills, Lawrence, 

Municipal Bonds. 
Boston, Mass., 4s, 1923, . 
Middletown, Conn., 3|s, 1921, 
Sharon, Mass., 4s, 1923-24, 

Railroad Bonds 
Boston & Albany 4s, 1935, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1916, 
Boston & Lowell 4s, 1932, 
Boston & Maine 3|s, 1925, 
Boston & Maine 3|s, 1921, 
Central Vermont 4s, 1920, 
Chicago, Burl. & Quincy (111 
Chicago, Burl. & Quincy (111 
Chicago, Burl. & Quincy (Iowa Div.) 4s, 1919, 

Fitchburg 4s, 1915, 

Fitchburg 4s, 1925, 

Illinois Central (St. Louis Div.) 3|s, 1951, . 
Lowell & Suburban Street 5s, 1911, 
New York Central & Hudson River 3§s, 1997, 
N. Y. Cent, equipment trust, 1907, 5s, 1916, 
N. Y. Cent, equipment trust, 1907, 5s, 1917, 
New York, New Haven & Hartford 4s, 1956, 
New York, New Haven & Hartford 4s, 1955, 
Portland & Rumford Falls 4s, 1926, . 
Richmond & Washington 4s, 1943, 
Washington County 3^s, 1954, . 

Miscellaneous Bonds. 
Western Tel. & Tel. Co. notes, 5s, 1912, 



Div.) 3Js, 1949, 
Div.) 4s, 1949, 



Book Value. 

$2,000 00 

3,700 00 

7,100 00 

600.00 

1,600 00 



3,600 
7,000 
2,000 
1,500 
1,600 
1,600 
4,600 
5,000 
13,200 00 
2,000 00 



00 
00 
00 
00 
00 
00 
00 
00 



2,000 00 
3,000 00 
2,000 00 

3,000 00 
10,000 00 

6,000 00 

3,000 00 

1,000 00 

4,000 

1,000 

2,000 

2,000 

3,000 

7,000 

3,000 

3.000 

8,000 

1,000 

1,000 00 

1,000 00 
10,000 00 

8,000 00 

3,000 00 

2,000 00 

1,000 00 

5,000 00 
$152,100 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



Rate. 
224 
120 
218 
159 

175 

190 
172 

81 
115 
180 
200 
299 
130 

58 
363 

101 
95 
99 

99 
97 
99 
98 
91 
93 



100 

100 

99 

99 

87 

100 

90 

102 

103 

94 

95 

97 

98 

83 

100 



Market Value. 

$4,480 00 

4,440 00 

15,478 00 

954 00 

2,800 00 

6,840 00 
12,040 00 

1,620 

1,725 

2,880 

3,200 
13,754 

6,500 

7,656 

7,260 



00 
00 
00 
00 
00 
00 
00 
00 



2,020 00 
2,850 00 
1,980 00 

2,970 00 
9,700 00 
5,940 00 
2,940 00 

910 00 
3,720 

880 
1,760 
2,000 
3,000 
6,930 
2,970 
2,610 00 
8,000 00 

900 00 
1,020 00 
1,030 00 
9,400 00 
7,600 00 
2,910 00 
1,960 00 

830 00 

5,000 00 



00 
00 
00 
00 
00 
00 
00 



$183,457 00 



LUMBER MUTUAL FIRE INSURANCE CO. 



47 



THE LUMBER MUTUAL FIRE INSURANCE COMPANY OF BOSTON, 

MASSACHUSETTS. 

Incorporated Feb. 13, 1895. Commenced business March 28, 1895. 
GEORGE W. GALE, President. HARRY E. STONE, Secretary. 

Office, 141 Milk Street. 

Income. 

Net premiums, . . . ... 

Gross interest on bonds, $20,374.70; bank deposits, $3,537.37; all 
other, $1.25, .... 

Gross profit on sale of bonds, . 

Gale and Stone agency, . 

Agents' balances previously charged off, 

Total income, 
Ledger assets, Dec. 31, 1909, . 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

State taxes on premiums, . . . . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of bonds, ..... 

Agents' balances charged off, ..... 

All other disbursements, ..... 

Total disbursements, . . ... 

Balance, ....... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks on interest, . 
Agents' balances, ........ 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on bonds, ..... 
Market value of bonds over book value, . . . . 
Due from Gale and Stone agency, .... 

Gross assets, 



$367,887 


96 


23,913 


32 


625 


00 


15,000 


00 


24 


56 


$407,450 84 
545,219 63 


$952,670 47 


$162,436 09 

185 87 


137,475 29 
21,205 93 


29,761 


67 


3,000 00 
2,010 53 


1,612 


30 


310 41 


366 41 


362 78 


3,700 91 

5,591 48 

676 75 


699 


18 


100 


00 


121 


95 


2,391 


32 


$372,008 87 


$580,661 


60 


$478,081 85 
574 17 


85,365 


68 


16,639 


90 


$580,661 60 


3,618 


98 


9,768 15 
8,568 74 


$602,617 47 



48 



LUMBER MUTUAL FIRE INSURANCE CO. 



Assets not admitted. 
Agents' balances over three months due, . 
Due from Gale and Stone agency, . 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, including $1,000 resisted, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$5 87 
8,568 74 


$8,574 61 


• 


$594,042 86 

$1,546 49 

175,538 25 

80 52 

3,641 97 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $13,807,933 00 
. 17,895,433 00 



Cash Prem's. 

$327,611 53 
422,927 40 



$180,807 23 
413,235 63 

$594,042 86 



Conting't Prem's. 

$982,834 59 
1,268,782 20 



$31,703,366 00 
16,461,942 00 



$750,538 93 $2,251,616 79 
399,462 43 1,198,387 29 



$15,241,424 00 $351,076 50 $1,053,229 50 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 40 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds 
Boston, Mass., 3|s, 1925, . 
Boston, Mass., 3fs, 1935, . 
Brockton, Mass., 31s, 1934, 
Brookline, Mass., 31s, 1917-18, 
Brookline, Mass., 31s, 1919-22, 
Brookline, Mass., 31s, 1923, 
Cambridge, Mass., 31s, 1921, 
Cambridge, Mass., 3|s, 1925, 
Framingham, Mass., 4s, 1925-26 
Georgia 41s, 1915, . 
Gloucester, Mass., 4s, 1916-22, 
Lynn, Mass., 3|s, 1914, . 
Nashville, Tenn., 41s, 1923, 
New Bedford, Mass., 4s, 1913, 
Pawtucket, R. I., 4s, 1944, 
Pittsfield, Mass., 31s, 1915-16, 
Pittsfield, Mass., 3|s, 1917, 
Portland, Oregon, 4s, 1934, 
Stamford, Conn., 4s, 1938, 
Waltham, Mass., 31s, 1921, 
Waterbury, Conn., 4s, 1941, 
Watertown,|Mass., 4s, 1914-17, 
Railroad Bonds 
Boston & Albany 4s, 1933, 
Boston & Albany 31s, 1951, 
Boston & Maine 4s, 1926, 



5,296,355 83 
763,097 86 
653,149 09 
153,161 41 



Book Value. 
00 
00 
00 
25 
00 
25 
00 
00 
00 



$9,700 
8,010 

12,460 
4,331 
9,625 
2,406 
4,600 

13,725 
8,100 

10,800 00 

11,837 00 
2,880 00 
9,900 00 
5,025 00 
9,325 00 
3,941 25 
982 50 

10,670 00 
5,222 00 
6,370 00 
5,092 50 
9,863 75 

15,225 00 
3,710 00 
7,600 00 



Rate. 

96 

94 

92 

98 

97 

96 

97 

96 

102 

103 

101 

99 

103 

100 

99 

98 

97 

96 

98 

96 

100 

100 

99 

88 
97 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



Market Value. 
$9,600 00 

8,460 
12,880 

4,410 

9,700 

2,400 

4,850 
14,400 

8,160 
10,300 
12,120 

2,970 
10,300 00 

5,000 00 

9 900 00 

3,920 00 

970 00 

10,560 00 

4,900 00 

6,720 00 

5,000 00 
10,000 00 

14,850 00 
3,520 00 
7,760 00 



LYNN MANUFACTURERS AND MERCHANTS MUTUAL FIRE INS. CO. 49 



Boston & Maine 4|s, 1929, 

Boston & New York Air Line 4s, 1955, 

Boston & Northern St. 4s, 1954, 

Boston, Revere Beach and Lynn 4^s, 1927, 

Chicago, Burlington & Quincy 4s, 1949, 

Chicago Railways Co. 1st 5s, 1927, 

Concord & Montreal consolidated 4s, 1920, 

Dutchess Co. 4|s, 1940, . 

Fitchburg 4£s, 1928, 

Kan. City & Memphis R.R. & Bridge Co. 5s, 1929, 

Kansas City Terminal 4s, 1960, 

Lake Shore & Michigan Southern 4s, 1931, 

Long Island refunding 4s, 1949, 

Me. Cent. & European & No. Am. 4s, 1933, 

New York Central & Hudson River 4s, 1934, 

New York, New Haven & Hartford 6s, 1948, 

N. Y., N. H. & Hartford 4s, 1955, 

N. Y., N. H. & Hartford 4s, 1956, 

Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 

Old Colony 4s, 1938, 

Old Colony St. 4s, 1954, . 

Pennsylvania 3£s, 1915, 

Portland & Ogdensburg 4|s, 1928, 

West End St. 4s, 1916-17, 

West End St. 4|s, 1923, . 

Miscellaneous Bonds. 
American Agricultural Chemical Co. 5s, 1928, 
American Tel. & Tel. Co. 4s, 1929, 

Armour & Co. 4|s, 1939 

Commonwealth Power Co. 5s, 1924, . 

Cons. Gas, Elec. Lt. & Power Co. 5s, 1913, 

Detroit Edison Co. 5s, 1933, 

Dom. P. & Tr. Co., Ltd., Hamilton, Ont., 5s, 1932 

Grand Rapids-Muskegon Power Co. 5s, 1931, 

Iroquois Iron Co. 5s, 1914, 

Iroquois Iron Co. 5s, 1916, 

Mass. Gas Co. 4£s, 1929, .... 

New York Tel. Co. 4|s, 1939, . 

Omaha, Eiec. Light & Power Co. 5s, 1933, . 

Providence Securities Corporation 4s, 1957, 

Seattle Electric Co. 5s, 1929, 

Sierra & San Francisco Power Co. 5s, 1949, 

Southern California Edison Co. 5s, 1939, 

Southern Power Co. 5s, 1930, 

United Elec. Securities Co. 5s, 1937, . 

Utica Gas & Electric Co. 5s, 1957, 

Western Electric Co. 5s, 1922, . 



Book Value. 

$5,268 75 
9,950 00 
1,800 00 

10,000 00 
5,087 50 
4,950 00 

10,000 00 
4,750 00 

11,460 00 
5,187 50 
4,887 50 
9,151 25 
8,812 50 
5,075 00 
4,550 00 

11,215 00 
8,300 00 

15,280 
4,750 
5,125 
5,400 00 
4,425 00 
5,237 50 
8,052 50 
5,137 50 



00 
00 
00 



9,700 
11,430 
4,781 
4,450 
4,875 
4,500 
4,550 
4,450 
980 
3,898 
4,925 
7,712 
5,050 
8,500 
4,500 
4,500 
4,875 
4,925 
4,625 
4,625 
4,975 



00 
00 
25 
00 
00 
00 
00 
00 
30 
80 
00 
50 
00 
00 
00 
00 
00 
00 
00 
00 
00 



Rate. 

103 

100 

90 

103 

100 

97 

99 

105 

104 

103 

96 

93 

96 

97 

94 

134 

95 

94 

96 

99 

88 

96 

104 

98 

102 

102 

91 

93 

99 

100 

101 

96 

100 

98 

97 

99 

99 

97 

85 

99 

94 

96 

100 

101 

101 

100 



Market Value. 



00 
00 
00 
00 
00 



$5,150 
10,000 

1,800 
10,300 

5,000 

4,850 00 

9,900 00 

5,250 
11,440 

5,150 

4,800 

9,300 00 

9,600 00 

4,850 

4,700 
13,400 

9,500 
15,040 

4,800 

4,950 

5,280 

4,800 

5,200 

7,840 00 

5,100 00 



00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



$478,081 85 



10,200 00 
10,920 00 

4,650 00 

4,950 

5,000 

5,050 

4,800 

5,000 
980 

3,880 

4,950 00 

7,920 00 

4,850 

8,500 

4,950 

4,700 

4,800 

5,000 

5,050 00 

5,050 00 

5,000 00 

$487,850 00 



00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 



LYNN MANUFACTURERS AND MERCHANTS MUTUAL FIRE 
INSURANCE COMPANY, LYNN. 

Incorporated Jan. 11, 1907. Commenced business Jan. 11, 1907. 
PATRICK B. MAGRANE, President. JOHN H. MADDEN, Secretary. 

Guaranty Capital, $100,000. 

Income. 

Net premiums, $7,210 53 

Gross interest on mortgages, $6,119.25; stocks, $454.75; bank 

deposits, $28.45, 6,602 45 

Gross increase in book value of stocks, ..... 250 00 

Borrowed money, ......... 3,000 00 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



$17,062 98 
120,132 03 

$137,195 01 



50 LYNN MANUFACTURERS AND MERCHANTS MUTUAL FIRE INS. CO. 



Disbursements. 

Net amount paid policy holders for losses, 
Dividends on guaranty capital, 
Dividends to policy holders, . 
Commissions or brokerage, . . 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Gross decrease in book value of stocks, . 
Taxes, ........ 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, . . . . 

Balance, . . 

Ledger Assets. 

Mortgage loans on real estate, 

Book value of stocks (schedule A), . 

Deposits in trust companies and banks on interest, 

Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on mortgages, . 
Market value of stocks over book value, . 

Gross assets, . . 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 

Total, . ' 

Guaranty capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$1,431,375 00 
1,028,230 00 



$2,459,605 00 

713,960 00 

$1,745,645 00 

71,250 00 



$100,000 00 
19,577 68 



$324 84 

5,000 00 

1,140 80 

1,442 15 

378 20 

44 52 

249 50 

5 63 

3,000 00 

25 42 

115 50 



$11,726 56 
$125,468 45 



$108,050 00 

12,750 00 

3,427 20 

1,241 25 

$125,468 45 



1,180 79 
1,030 00 

$127,679 24 



$291 00 
7,810 56 

58,101 56 



119,577 68 
$127,679 24 



Cash Prem's. Conting't Prem's. 

$11,853 66 $11,853 66 

8,438 79 8,438 79 



$20,292 45 $20,292 45 
5,785 79 5,785 '79 



$14,506 66 $14,506 66 
639 52 



.,674,395 00 $13,867 14 



LYNN MUTUAL FIRE INSURANCE CO. 



51 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 20 and 30 per cent. 

Schedule A. Stocks owned by the Company. 



Bank Stocks. 
25 shares Central National, Lynn, 
30 " Manufacturers National, Lynn, 
23 " National City, Lynn, . 

Miscellaneous Stocks. 
10 shares Lynn Storage Warehouse Co., 



Book Value. 

$5,000 00 
3,300 00 
3,450 00 

1,000 00 

$12,750 00 



Rate. 
220 
120 
160 

100 



$21,387 61 

3,473 76 

1,629 87 

615 84 



Market Value. 

$5,500 00 

3,600 00 

3,680 00 

1,000 00 

$13,780 00 



Total, . 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Maps, including corrections, . 
Underwriters' boards and tariff associations, 
Inspections and surveys, 
Repairs and expenses on real estate, 
Taxes on real estate, .... 

State taxes on premiums, 
Agents' balances charged off, . 
All other disbursements, . 

Total disbursements, 

Balance, ..... 



^,499 08 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828. 
JAMES S. NEWHALL, President. CHARLES W. GEER, Secretary. 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $1,118.30; stocks and bonds, 

$2,376.11; bank deposits, $96.19, 

Gross profit on sale or maturity of bonds, .... 

Commissions on reinsurance, ....... 

Dividends on reinsurance, ....... 

Total income, ........ 

Ledger assets, Dec. 31, 1909, ....... 



3,590 60 

86 26 

446 65 

50 06 


$12,672 65 
74,844 54 



$87,517 19 



$994 17 

16 21 

4,807 37 

868 69 

3,063 01 

252 00 

341 33 

99 28 

5 00 

129 38 

5 00 

13 00 

3 60 

102 31 

23 44 

151 24 

$10,875 03 

$76,642 16 



52 



LYNN MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $288.28; bonds, $823.31, 
Market value of stocks and bonds over book value, 



Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ...... 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$369 00 


18,050 00 


54,803 48 


11 39 


2,909 35 


498 94 


$76,642 16 


1,111 59 


3,280 52 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$2,800,587 00 
827,439 00 



Cash Prem's. 

$39,458 87 
11,810 77 



$3,628,026 00 
658,407 00 

$2,969,619 00 
392,388 00 



$51,269 64 
9,424 84 

$41,844 80 
3,394 95 



$2,577,231 00 $38,449 85 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 20, 40 and 60 per cent. 



,034 27 



89 87 



,944 40 



$163 01 
19,561 22 

26 47 

7 27 

5 35 

33 42 

10 27 

$19,807 01 
61,137 39 

$80,944 40 



Conting't Prem's. 

$39,458 87 
11,810 77 

$51,269 64 
9,424 84 

$41,844 80 



$335,047 69 

59,883 55 

142,809 49 

994 17 



MERCHANTS AND FARMERS MUTUAL FIRE INSURANCE CO. 



53 



Schedule A. Stocks and Bonds owned by the Company. 

Bank Stocks. 
5 shares Central National, Lynn, 
20 " Essex Trust Company, Lynn, 
10 " Merchants National, Boston, 
20 " National City, Lynn, . 

Municipal Bonds. 
Kennebec Water District, Me., 3|s, 1925, . 

Railroad Bonds. 
Atchison, Topeka & Santa Fe 1st 4s, 1995, 
Bangor & Aroos. (Piscataquis Div.) 1st 5s, 1943 
Chicago, Burl. & Quincy gen. 4s, 1958, 
Chicago & Eastern Illinois ref. 4s, 1955, 
Chicago & Great Western 1st 5s, 1936, 
Chicago, Indiana & So. 1st cons. 4s, 1956, . 
Chic, Rock Island & Pacific 1st ref. 4s, 1934, 
Current River 1st 5s, 1927, 
Iowa Central 1st 5s, 1938, . 
Jacksonville Electric 1st 5s, 1927, 
National of Mexico prior lien 4^s, 1957, 
Ogdensburg & Lake Champlain 1st 4s, 1948, 
Rock Island-Frisco Terminal 5s, 1927, 
Southern Pacific 1st ref. 4s, 1955, 

Miscellaneous Bonds. 
American Tel & Tel. Co. col. tr. 4s, 1929, . 
Commonwealth Power Co. 1st 5s, 1924, 
Omaha Elec. Lt. & Power Co. 1st 5s, 1933, 
Southern California Edison Co. gen. 5s, 1939, 
The Securities Co., series C, class 1, 4s, 
United Elec. Securities Co. 5s, 1935-40, 



Book Value. 


Rate. 


Market Value. 


$500 


00 


220 


$1,100 00 


3,600 


00 


240 


4,800 00 


1,392 


50 


265 


2,650 00 


2,000 


00 


160 


3,200 00 


912 


50 


93 


930 00 


2,000 


00 


92 


1,840 00 


1,080 


00 


103 


1,030 00 


2,005 


00 


97 


1,940 00 


815 


00 


83 


830 00 


2,020 


00 


104 


2,080 00 


952 


50 


93 


930 00 


1,832 


50 


90 


1,800 00 


1,000 


00 


99 


990 00 


1,061 


25 


104 


1,040 00 


1,880 


00 


98 


1,960 00 


470 


98 


95 


570 00 


2,050 


00 


84 


1,680 00 


2,091 


25 


103 


2,060 00 


951 


25 


95 


950 00 


7,338 


75 


91 


7,280 00 


1,900 


00 


99 


1,980 00 


3,000 


00 


97 


2,910 00 


1,950 


00 


96 


1,920 00 


800 


00 


63 


504 00 


11,200 


00 


101 


11,110 00 


$54,803 


48 


$58,084 00 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE 

COMPANY, WORCESTER. 

Incorporated April 1, 1846. Commenced business Jan. 1, 1847. 
HENRY M. WITTER, President. HARRY S. MYRICK, Secretary. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $1,241.81; stocks and bonds, 

$7,163.69; bank deposits, $368.02; gross rents, $3,600, . 
Gross profit on sale of stocks, ...... 

Final dividend Quinsigamond National Bank, in liquidation, 



Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 



,710 62 



12,373 52 

3,469 67 

462 50 



$106,016 31 
236,390 00 

$342,406 31 



$23,267 39 

678 57 

26,971 01 

13,619 51 

8,565 33 

895 00 

1,522 70 

339 04 



54 



MERCHANTS AND FARMERS' MUTUAL FIRE INSURANCE CO. 



Furniture and fixtures, ...... 

Maps, including corrections, ' .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Interest on mortgage, ...... 

All other disbursements, ..... 

Total disbursements, . . 

Balance, ....... 

Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



Total ledger assets, . 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $174.26; bonds, $2,263.31, . 

Rents accrued on company's property, ..... 
Market value of real estate over book value, . 

Gross assets, ......... 

Assets not admitted. 

Agents' balances unaccounted for, .... $80 82 
Book value of stocks and bonds over market value, . 164 51 
Accrued interest in default, ..... 200 00 



Admitted assets, ...... 

Liabilities. 

Unpaid losses, $1,242.24; less reinsurance, $382.34, . 
Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, . . 

Total, . 

Surplus to policy holders, . . 

Total liabilities, including surplus, 



$238 81 
819 77 
465 46 
221 71 
53 02 
161 35 
691 36 

1,170 27 
302 00 
188 13 
930 66 



$81,101 09 
$261,305 22 



$57,482 35 
12,650 00 

169,073 51 

335 97 

10,311 41 

11,451 98 

$261,305 22 



2,437 57 

300 00 

2,517 65 

$266,560 44 



445 33 



$266,115 11 



$859 90 

137,203 51 

1,116 09 

198 95 

1,661 13 

639 38 

507 30 

$142,186 26 
123,928 85 

$266,115 11 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



55 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$20,780,316 00 
7,484,764 00 



Cash Prem's. 

$289,040 52 
99,178 98 



$28,265,080 00 

6,966,540 00 

$21,298,540 00 

727,759 00 



$388,219 50 
100,808 02 

$287,411 48 
10,513 65 



Conting't Prem's. 

$289,040 52 
99,178 98 

$388,219 50 
100,808 02 

$287,411 48 



$20,570,781 00 $276,897 83 



Miscellaneous. 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 20, 30 and 40 per cent. 



$24,325 79 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
60 shares Atchison, Topeka & Santa Fe, com., 
51 " Atchison, Topeka & Santa Fe, pref., 
22 " Providence & Worcester, 
7 " Union Pacific preferred, 

Bank Stocks. 
4 shares Worcester Trust Co., . 

Miscellaneous Stocks. 
13 shares American Tel. & Tel. Co., . 
35 " Worcester Gas Light Co., 

Railroad Bonds. 
Atchison, Topeka & Santa Fe gen. 4s, 1995, 
Atchison, Topeka & Santa Fe adjust. 4s, 1995, 
Bangor & Aroostook 4s, 1951, . 

Berkshire Street 5s, 1922 

Boston & Albany 4s, 1935, 

Boston & Worcester St. 1st 4§s, 1923, 

Buffalo & Susquehanna 4s, 1951, 

Chicago, Rock Island & Pacific 4s, 1934, 

Chicago & Western Indiana 4s, 1952, 

Des Moines, Iowa Falls & Northern 5s, 1931, 

Duluth, Missabe & Northern gen. 5s, 1941,. 

Metropolitan St. Kansas City, Mo., 5s, 1913, 

Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 

Pere Marquette 4s, 1951, . 

Pere Marquette, Indiana, 4s, 1943, 

Southern Indiana 4s, 1951, 

St. Louis, Iron Mountain & Southern 4s, 1933, 

West End Street 4s, 1915, 

Worcester Consolidated St. 5s, 1927, . 

Worcester Consolidated St. 45S, 1930, 



Book Value. 

$5,097 75 

2,224 44 

4,286 80 

725 00 

920 00 

2,278 27 
7,535 00 

7,000 00 

3,500 00 

9,700 

5,200 
14,550 

4,900 

4,950 

9,775 

9,900 00 
11,165 00 

5,250 00 

2,940 00 

3,551 25 

4,750 00 

4,775 00 
14,100 00 

9,525 

4,925 
10,500 

5,050 



00 
00 
00 
00 
00 
00 



00 
00 
00 
00 



Rate. 

101 

103 

268 

93 

400 

143 

280 

100 
92 
80 

102 
99 
96 
45 
90 
93 
97 

105 
98 
96 
81 
85 
83 
85 
99 

104 

101 



Market Value. 

$6,060 00 

5,253 00 

5,896 00 

651 00 

1,600 00 

1,859 00 

9,800 00 



00 
00 
00 
00 
00 
00 
00 



$169,073 51 



7,000 

3,220 

8,000 

5,100 
14,850 

4,800 

2,250 

9,000 00 

9,300 00 
10,670 

5,250 

2,940 

5,760 

4,050 

4,250 
12,450 

8,500 

4,950 00 
10,400 00 

5,050 00 

$168,909 00 



00 
00 
00 
00 
00 
00 
00 
00 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, ANDOVER. 

Incorporated Feb. 7, 1828. Commenced business April 8, 1828. 
JOS. A. SMART, President. BURTON S. FLAGG, Secretary. 

Income. 

Net premiums, $124,960 28 

Gross interest on mortgages, $3,822.45; stocks and bonds, 
$5,135.50; bank deposits, $290.36, 9,248 31 



56 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



Commissions on reinsurance, .... 
Dividends and return premiums on reinsurance, 

Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, . 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, ... 

Insurance department licenses and fees, . 

Borrowed money repaid, 

Interest on borrowed money, . 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $906.04; bonds, $1,282.49, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over, three months due, . 

Admitted assets, . . . . 

Liabilities. 

Unpaid losses, $4,179.23; less reinsurance, $1,320.28, 
Unearned premiums on outstanding risks, 





$1,031 76 




2,205 52 


$137,445 87 




206,602 75 


$344,048 62 


$34,713 05 




630 31 




24,566 46 




19,876 16 




118 97 




9,868 13 




670 00 




1,196 67 




879 21 




284 54 


. ^ 


575 01 




506 56 




151 35 




1,464 95 




1,272 71 




423 00 




40,000 00 




787 50 




649 87 


$138,634 45 


$205,414 17 


$74,925 00 




108,770 00 




3,463 59 




398 35 




4,000 00 




13,857 23 




$205,414 17 


2,188 53 


• 


1,963 00 


$209,565 70 


• 


165 93 


. $209,399 77 


$2,858 95 


. 


140,784 59 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



57 



Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

. $26,586,217 00 
. 11,001,263 00 



$2,123 33 

127 62 

598 11 

345 51 

$146,838 11 

62,561 66 

$209,399 77 



Cash Prem's. Conting't Prem's. 

$327,070 19 $327,070 19 
138,705 50 138,705 50 



$37,587,480 00 
9,624,329 00 

$27,963,151 00 
8,031,695 00 



$465,775 69 $465,775 69 
130,067 71 130,067 71 



$335,707 98 $335,707 98 
91,413 05 



$19,931,456 00 $244,294 93 



Miscellaneous. 

Net premiums received from organization of company, . . $3,665,887 00 

Net losses paid from organization of company, . . . 1,515,565 71 

Cash dividends paid policy holders from organization of company, 1,352,917 33 
Losses incurred during the year, ...... 35,307 65 

Dividends to policy holders during 1910, 20 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Bank Stocks. 
16 shares Andover National, 
15 " Lawrence National, 

Miscellaneous Stocks. 
74 shares American Tel & Tel. Co., 

Municipal Bonds. 
Andover, Mass., 4s, 1919, 
Andover, Mass., 4s, 1923-28, . 
Railroad Bonds. 
Atch., Topeka & Santa Fe 1st 4s, 1958, 
Bangor & Aroostook equip. 5s, 1916, 
Boston & Albany 4s, 1933, 
Boston Elevated 4Js, 1937, 
Chicago & Northwestern 5s, 1929, 
Chicago Railways 1st 5s, 1927, . 
Chicago, Wisconsin & Minn. 1st 6s, 1916, 
New York, Chicago & St. Louis 4s, 1931, 
New York, New Haven & Hartford 4s, 1956, 
Southern Pacific 1st ref. 4s, 1955, 
Worcester Consolidated Street 5s, 1927, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Pacific Tel. & Tel. Co. 5s, 1937, 



Book Value. 

$1,600 00 

1,500 00 

9,500 00 

8,000 00 
7,000 00 

9,525 00 
2,000 00 
3,075 00 
10,000 00 
4,000 00 
3,030 00 
5,000 00 
9,400 00 
9,562 50 
9,450 00 
2,100 00 

11,087 50 
2,940 00 

$108,770 00 



Rate. 
121 
125 

143 

100 
101 

93 
95 
99 

106 

106 
97 

105 
92 
94 
95 

104 

91 
100 



Market Value. 

$1,936 00 

1,875 00 

10,582 00 

8,000 00 
7,070 00 

9,300 00 
1,900 00 
2,970 00 
10,600 00 
4,240 00 
2,910 00 
5,250 00 
9,200 00 
9,400 00 
9,500 00 
2,080 00 

10,920 00 
3,000 00 

$110,733 00 



58 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

Incorporated March 3, 1826. Commenced business March 29, 1826. 
RICHARD F. BARRETT, President. ADAMS TOLMAN, Secretary. 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $1,605; collaterals, $203.57; stocks 

and bonds, $26,999.79; bank deposits, $340.27; all other, $1.84; 

gross rents, including $1,000 for company's own occupancy, 

$1,690, 

Gross profit on sale of bonds, ....... 

Agents' balances previously charged off, . 

Return premiums on reinsurance, ...... 

Dividend Commercial National Bank, in liquidation, 

Total income, . . . . . . 

Ledger assets, Dec. 31, 1909, . . . . . . 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . . . . 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross loss on maturity of bonds, .... 

Gross decrease in book value of real estate, 

All other disbursements, . .... 

Total disbursements, . 

Balance, 

Ledger Assets. 

Book value of real estate, ..... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 



$187,293 76 



30,840 47 

552 50 
40 00 

2,478 46 
75 00 



$221,280 19 
615,125 43- 


$836,405 62 


$51,412 37 
1,170 71 

85,439 81 

27,695 66 

190 52 


16,615 08 
1,000 00 


1,508 67 

839 27 


104 30 


59 23 


1,347 22 


772 37 


273 90 


2,226 35 


226 85 


438 12 


2,138 06 
338 00 


967 50 


2,650 00 
1,240 59 


$198,654 58 



$637,751 04 



$25,947 80 
32,100 00 

509,420 89 
2,024 22 
31,096 69 1 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



59 



Deposits in trust companies and banks on interest, 
Agents' balances, .... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $833.19; bonds, $5,619.68, 
Rents due and accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, 
50 shares Massachusetts Real Estate Co., 

Gross assets, ...... 

Liabilities. 

Unpaid losses, $2,110.44; less reinsurance, $34, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$48,354,596 00 
13,844,678 00 



$62,199,274 00 
13,232,400 00 

$48,966,874 00 
1,468,406 00 



Cash Prem's. 

$712,803 92 
208,752 75 



$921,556 67 
202,995 59 

$718,561 08 
22,478 06 



$22,661 04 


14,500 40 


$637,751 04 


6,452 87 


515 00 


18,477 74 


547 11 


1,000 00 


$664,743 76 


$2,076 44 


347,484 85 


2,084 78 


206 30 


1,081 53 


20 93 



$352,954 83 
311,788 93 

$664,743 76 



Conting't Prem's. 

$712,803 92 
208,752 75 

$921,556 67 
202,995 59 

$718,561 08 



. $47,498,468 00 $696,083 02 

Miscellaneous. 
Net premiums received from organization of company, . . $5,500,172 41 
Net losses paid from organization of company, . . . 2,060,373 19 

Cash dividends paid policy holders from organization of company, 2,318,092 67 
Losses incurred during the year, . . . . . . 51,150 15 

Dividends to policy holders during 1910, 20, 30, 40, 50 and 60 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
57 shares Boston & Albany, 
100 " Fitchburg, .... 


Book Value. 

$5,757 75 
8,660 00 


Rate. 

225 

130 


Market Value. 

$12,825 00 

13,000 00 


Bank Stocks. 
33 shares Concord National, 


3,300 00 


175 


5,775 00 


Miscellaneous Stocks. 
300 shares Pullman Company, . 


31,093 64 


159 


47,700 00 


State and Municipal Bonds. 
Belmont, Mass., 3£s, 1912-13, . 
Belmont, Mass., 3|s, 1914, 


4,000 00 
1,000 00 


99 

98 


3,960 00 
980 00 



60 



MUTUAL FIRE ASSURANCE CO. 



Concord, Mass., 4s, 1911-13, 
Holyoke, Mass., 4s, 1927, . 
Lynn, Mass., 4s, 1918, 
Maiden, Mass., 4s, 1912, . 
Massachusetts 3s, 1930, 
New Britain, Conn., 4s, 1936-39 
Norwich, Conn., 4s, 1931, 
Pawtucket, R. I., 4s, 1929, 
Pittsfield, Mass., 3^s, 1915, 
Stamford, Conn., 4s, 1938, 
Woonsocket, R. I., 4s, 1924, 

Railroad Bonds 
Boston & Albany 4s, 1933, 
Boston & Albany 4s, 1913, 
Boston & Lowell 4s, 1913, 
Boston & Lowell 3is, 1923, 
Boston & Maine 4|s, 1944, 
Chicago, Burlington & Quincy 4s, 1921, 
Chicago, Burlington & Quincy 3£s, 1949, 
Chicago Jet. Ry. & Un. Stk. Yds. Co., 4s, 1940, 
Chic. & Northwestern-Boyer Val. 3 is, 1923, 
Cincinnati, Hamilton & Dayton 5s, 1942, 
Cleveland & Pittsburg 3£s, 1948, 
Cleveland & Pittsburg 3^s, 1950, 
Concord & Montreal 4s, 1920, . 
Connecticut & Passumpsic 4s, 1943, 
Erie & Pittsburg 3£s, 1940, 
Hamilton, Ontario, Street 4|s, 1928, 
Jamestown, Franklin & Clearfield 4s, 1959, 
Lake Shore & Michigan Southern 1st 3^s, 1997, 
Long Island (North Shore Branch) 5s, 1932, 
Mohawk & Malone 4s, 1991, 
Narragansett Pier 4s, 1916, 
New England 4s, 1945, .... 
New York Central & Hudson River 3Js, 1997, 
New York, New Haven & Hartford 3|s, 1947, 
New York, Ontario & Western 4s, 1992, 
Norwich & Worcester 4s, 1927, . 
Old Colony 4s, 1925, 
Providence & Worcester 4s, 1947, 
Republican Valley 6s, 1919, 
St. Paul, Minneapolis & Manitoba 4£s, 1933, 
Sioux City & Pacific 3£s, 1936, . 
Southern Pacific 6s, 1911, 

Terminal R.R. Association of St. Louis 4fs, 1939, 
United Tr. & Elec. Co. of Providence 5s, 1933, 
West End Street 4s, 1915, 
West End Street 4s, 1932, 



Book Value. 


Rate. 


Market Value. 


$3,000 00 


100 


$3,000 00 


10,950 


00 


102 


10,200 00 


6,060 


00 


101 


6,060 00 


1,000 


00 


100 


1,000 00 


10,137 


50 


89 


8,900 00 


11,293 


75 


98 


10,780 00 


4,059 


20 


99 


3,960 00 


10,450 


00 


99 


9,900 00 


4,931 


25 


98 


4,900 00 


5,092 


00 


98 


4,900 00 


2,022 


50 


100 


2,000 00 


10,050 


00 


99 


9,900 00 


10,557 


50 


99 


9,900 00 


15,500 


00 


100 


15,000 00 


5,006 


25 


94 


4,700 00 


11,775 


00 


105 


10,500 00 


4,034 


55 


99 


3,960 00 


3,000 


00 


88 


3,520 00 


10,250 


00 


90 


9,000 00 


10,225 


00 


93 


9,300 00 


10,100 


00 


103 


10,300 00 


21,000 


00 


, 93 


18,600 00 


10,575 


00 


93 


9,300 00 


25,150 


00 


99 


24,750 00 


26,600 


00 


98 


24,500 00 


10,400 


00 


92 


9,200 00 


10,350 


00 


92 


9,200 00 


4,750 


00 


95 


4,750 00 


10,912 


50 


90 


9,000 00 


5,762 


50 


101 


5,050 00 


11,062 


50 


99 


9,900 00 


10,375 


00 


100 


10,000 00 


10,107 


50 


100 


10,000 00 


4,587 


50 


90 


4,500 00 


15,262 


50 


83 


12,450 00 


15,325 


00 


96 


14,400 00 


10,575 


00 


99 


9,900 00 


5,262 


50 


99 


4,950 00 


6,060 


00 


99 


5,940 00 


4,830 


00 


103 


4,738 00 


21,825 


00 


105 


21,000 00 


9,650 


00 


90 


9,000 00 


5,412 


50 


100 


5,000 00 


13,630 


00 


106 


12,720 00 


11,262 


50 


105 


10,500 00 


10,162 


50 


99 


9,900 00 


5,225 


00 


96 


4,800 00 


$509,420 89 


$509,968 00 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

Incorporated Feb. 23, 1827. Commenced business July 23, 1827. 
GEO. B. HOLBROOK, President. HERBERT E. HUIE, Secretary. 

Income. 
Net premiums, 



Gross interest on mortgages, $2,991.88; stocks and bonds, 

$8,789.45; bank deposits, $101.14, . . 

Gross profit on sale, of stocks, ...... 

Total income, ........ 

Ledger assets, Dec. 31, 1909, . 



$21,993 11 

11,882 47 
106 00 

$33,981 58 
234,737 48 



Total, 



$268,719 06 



MUTUAL FIRE ASSURANCE CO. 



61 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, . . . . . . . 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Maps, including corrections, 
State taxes on premiums, .... 

Gross decrease in book value of bonds, 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Bills receivable, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,016.45; bonds, $1,199.56, . 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Liabilities. 

Unearned premiums on outstanding risks, 

Dividends due policy holders, 

State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

. $6,290,775 00 
1,410,900 00 



$7,701,675 00 
1,381,400 00 

$6,320,275 00 
Miscellaneous. 



Cash Prem's. 

$107,037 60 
24,034 48 



$131,072 08 
23,483 27 



$3,221 


63 


42 37 


18,198 


70 


3,853 


50 


525 


00 


48 47 


90 


83 


30 


00 


212 


16 


200 


00 


221 


36 


$26,644 02 


$242,075 04 


$64,800 00 


169,087 


11 


312 


33 


7,690 20 


185 40 


$242,075 04 


2,216 


01 


24,463 


89 


$268,754 94 


$55,365 43 


621 


22 


69 


12 



$56,055 77 
212,699 17 

$268,754 94 



Conting't Prem's. 

$107,037 60 
24,034 48 

$131,072 08 
23,483 27 



$107,588 81 $107,588 81 



Losses incurred during the year, 

Dividends to policy holders during 1910, 90 per cent. 



5,221 63 



62 



MUTUAL PROTECTION FIRE INSURANCE CO. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Boston & Albany, 

69 " Chicago, Burlington & Quincy, . 

20 " Holyoke & Westfield, 
336 " N. Y. Central & Hudson River, . 
Bank Stocks. 

25 shares Chapin National, Springfield, 

61 " Chicopee National, Springfield, . 

50 " Hadley Falls National, Holyoke, 

50 " National Bank of Commerce, Boston, 

25 " Springfield National, 
Railroad Bonds. 
Boston & Albany 4s, 1913, 
Boston Elevated 4£s, 1937, 
Boston & Maine 4s, 1926, 
Chesapeake & Ohio 5s, 1939, 
Chicago, Burlington & Quincy 3^s, 1949, 
Connecticut River 3|s, 1923, 
Detroit Southern (Ohio So. Div.) 4s, 1941, 
Holyoke Street 5s, 1915, . 
Illinois Central, purchased lines, 3£s, 1952, 
Lake Shore & Michigan Southern 4s, 1931, 
Long Island unified 4s, 1949, 
N. Y. C. & Hud. R. (Lake Shore col.) 3|s, 1998, 
N. Y., N. H. & Hartford 4s, 1955, . ' . 
Norfolk & Southern 5s, 1954, . 
Phila., Wilmington & Baltimore 4s, 1932, . 
Reading, (Jersey Cent, col.) 4s, 1951, 
Southern equipment 4^s, 1921, . 
Springfield Street 4s, 1923, 
Woronoco Street 5s, 1920, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
American Writing Paper Co. 5s, 1919, 



Book Value. 

$14,073 25 

8,364 85 

3,740 00 

37,750 92 

2,875 00 
6,100 00 
5,050 00 
5,000 00 
3,000 00 



10,650 00 
2,030 00 
4,000 
4,040 
3,805 
2,030 
3,300 
6,300 00 
2,801 25 
4,512 
1,900 
8,000 
5,012 
1,960 
4,040 
2,865 
3,000 
3,064 
5,312 



00 
00 
00 
00 
00 



50 
00 
00 
50 
00 
00 
00 
00 
84 
00 



2,970 00 
1,540 00 



Rate. 
225 
220 
280 
113 

103 
168 
140 
175 
200 

99 

106 

97 

113 

88 

94 

75 

102 

86 

93 

95 

80 

95 

94 

100 

98 

97 

100 

100 

91 
90 



Market Value. 

$22,500 00 

15,180 00 

5,600 00 

37,968 00 

2,575 00 
10,248 00 
7,000 00 
8,750 00 
5,000 00 



00 
00 
00 
00 
00 
00 
00 
00 



$169,087 11 



9,900 
2,120 
3,880 
4,520 
3,520 
1,880 
2,250 
6,120 
2,580 00 
4,650 00 
1,900 00 
6,400 00 
4,750 00 
1,880 00 
4,000 00 
2,940 00 
2,910 00 
3,000 00 
5,000 00 

2,730 00 
1,800 00 

$193,551 00 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, 

CHARLESTOWN. 

Incorporated April 10, 1861. Commenced business July 15, 1864. 
GEO. H. PENDERGAST, President. FRANK V. NOYES, Secretary. 

Office, Thompson Square. 

Income. 

Net premiums, $47,738 04 

Gross interest on mortgages, $1,687.96; stocks and bonds, 

$3,748.48; bank deposits, $673.42, . . . . . 6,109 86 

Dividends and return premiums on reinsurance, . . . 1,996 47 

Dividend National Bank of Republic, in liquidation, . . 100 00 

From all other sources, ........ 260 91 



Total income, 
Ledger assets, Dec. 31, 1909, .... 

Total, ........ 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 
Commissions or brokerage, 
Agency expenses, . . . . . 



$56,205 28 
148,155 37 

$204,360 65 



$15,521 66 

342 00 

17,010 76 

7,300 49 

68 55 



MUTUAL PROTECTION FIRE INSURANCE CO. 



63 



Salaries, fees, etc., of officers and employees, 

Rents, . . . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $492.44, bonds, $615.15, 
Furniture, fixtures and safes, .... 
Supplies, printed matter and stationery, . 

Gross assets, ...... 

Assets not admitted. 

Supplies, printed matter and stationery, . 
Furniture, fixtures and safes, .... 
Agents' balances over three months due, . 
Book value of stocks and bonds over market value, 



Admitted assets, ..... 

Liabilities. 
Unpaid losses, $1,396.75; less reinsurance, $1.40, 
Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Borrowed money, ...... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$9,194 00 


1,050 00 


447 66 


412 06 


256 40 


488 87 


257 76 


axes, . . 175 91 


98 56 


521 46 


198 97 


2,000 00 


1,442 50 


182 73 


$56,970 34 


. $147,390 31 


$30,600 00 


92,135 29 


290 35 


19,381 33 


4,983 34 


. $147,390 31 


1,107 59 


2,500 00 


500 00 


. $151,497 90 


. $500 00 


. 2,500 00 


357 40 


. 1,403 79 


A 7ft1 10 


^r,<Ul Lv 


. $146,736 71 


$1,395 35 


64,874 48 


119 63 


900 20 


1,093 59 


147 38 


33,000 00 


. $101,530 63 


45,206 08 


. $146,736 71 



64 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . v 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

$8,475,692 00 $140,079 25 

3,481,050 00 56,997 18 



$11,956,742 00 
3,030,445 00 

$8,926,297 00 
1,074,668 00 



$197,076 43 
51,341 48 

$145,734 95 
16,862 47 



Conting't Prem's. 

$140,079 25 

56,997 18 

$197,076 43 
51,341 48 

$145,734 95 



$7,851,629 00 $128,872 48 



Miscellaneous. 

Net premiums received since 1878, ..... 

Net losses paid since 1878, . . . . ... 

Cash dividends paid policy holders since 1878, . 

Losses incurred during the year, ..... 

Dividends to policy holders during 1910, 20, 40 and 60 per cent. 



$558,284 56 

191,422 92 

165,497 29 

14,159 31 



Schedule A. Stocks and Bonds owned by the Company. 



5 

25 

13 

4 

232 



Railroad Stocks. 
shares Atch., Topeka & Santa Fe, pref., 
44 New York Central, . 
44 New York, New Haven & Hartford, 
44 N. Y., N. H. & Hartford (75% pd.), 
44 Pennsylvania, .... 

Miscellaneous Stocks. 

63 shares American Telephone & Telegraph Co. 

37 44 Charlestown Gas & Electric Co., 
State and Municipal Bonds. 
Maiden, Mass., 4s, 1914, . 
Massachusetts 3^s, 1931, . 
Massachusetts 3s, 1941, 
Middletown, Conn., 3|s, 1925, 
New York, N. Y., 4s, 1956, 
Providence, R. I., 3s, 1930, 
Springfield, Mass., 3|s, 1920, 
Waterbury, Conn., 3£s, 1926, 

Railroad Bonds. 
New York, New Haven & Hartford 3£s, 1954, 
New York, New Haven & Hartford 6s, 1948, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 

$255 00 

3,173 13 

2,719 00 

375 00 

15,089 38 

8,735 00 
2,833 00 

5,068 75 

10,168 00 

6,326 25 

7,710 00 

3,825 00 

13,612 50 

988 75 

962 50 

2,915 83 
400 00 

6,978 20 



,135 29 



Rate. 
103 
113 
151 
148 
129 

143 
245 

100 
96 
85 
93 
99 
88 
97 
94 

83 
134 

91 



Market "Value. 

$515 00 

2,825 00 

1,963 00 

467 00 

14,964 00 

9,009 00 
4,532 50 

5,000 00 

9,600 00 

5,950 00 

7,440 00 

3,960 00 

13,200 00 

970 00 

940 00 

2,490 00 
536 00 

6,370 00 



,731 50 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

Incorporated Feb. 10, 1829. Commenced business May 1, 1829. 
WILLIAM R. JOHNSON, President. EDWARD OSGOOD, Secretary. 

Income. 

Net premiums, ......... $3,757 35 

Gross interest on mortgages ; $45; stocks and bonds, $1,984.83; 

bank deposits, $170.48, 2,200 31 

Gross profit on sale of stocks, . . . . . . 496 00 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



65 



Policy fees, ....... 

Borrowed money, ...... 

From all other sources, 

Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, . . . ' 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
State taxes on premiums, .... 

Gross loss on sale of bonds, .... 

Gross decrease in book value of stocks and bonds, 
Borrowed money repaid, .... 

Interest on borrowed money, .... 

Furniture charged off, ..... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 

Total ledger assets, 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $7.92; bonds, $391.66, .... 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Rents, due or accrued, ...... 

State, county and municipal taxes, due or accrued, . 

Total, . . . 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$117 65 
100 00 
117 71 



$6,789 02 
43,882 78 



$50,671 80 


$9 44 


3,554 00 


708 34 


205 00 


26 83 


6 31 


35 33 


32 50 


270 00 


100 00 


68 


50 00 


73 55 


$5,071 98 


$45,599 82 


$900 00 


39,386 00 


21 77 


184 79 


5,107 26 


$45,599 82 


399 58 


1,336 00 


$47,335 40 


$6,495 23 


37 50 


50 00 


2 22 



$6,584 95 
40,750 45 

$47,335 40 



66 



NORFOLK MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

$822,210 00 
257,600 00 



Cash Prem's. 

$12,529 90 
3,897 25 



$1,079,810 00 
249,050 00 

$830,760 00 



$16,427 15 
3,761 50 



Conting't Prem's. 

$50,119 60 
15,589 00 

$65,708 60 
15,046 00 



Miscellaneous. 
Losses incurred during the year, .... 
Dividends to policy holders during 1910, 100 per cent. 



$12,665 65 $50,662 60 
$9 44 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
10 shares Atch., Topeka & Santa Fe, common, 

1 share Atch., Topeka & Santa Fe, preferred, 
24 shares Boston & Maine, 

5 " Chicago Jet. & Union Stk. Yds. pref., 
14 " Chicago, Milwaukee & St. Paul, pref., 

4 " Chic, Milwaukee & St. Paul, com., 
13 " N. Y. Central & Hudson River, 

Bank Stocks. 
100 shares Merchants National, Newburyport, 
31 " Ocean National, Newburyport, . 
4 " State National, Boston, 

Miscellaneous Stocks. 

7 shares American Tel. & Tel. Co., 

4 " Michigan State Telephone, pref., 
21 " Riverbank Court Securities Co., 
10 " U. S. Rubber Co. 1st preferred, . 
10 " Western Union Telegraph Co., . 
10 " Westinghouse Elec. & Mfg. Co., pref., 

9 " Westinghouse Elec. & Mfg. Co., assent., 

Municipal Bonds. 
Newport News, Va., 4s, 1941, . ... 

Railroad Bonds. 
Bangor & Aroostook (Piscataquis Div.) 5s, 1943, 
Bangor & Aroostook cons, refunding 4s, 1951, 
Chicago, Burlington & Quincy gen. 4s, 1958, 
Penobscot Shore Line 4s, 1920, . 
Wabash equipment 4Js, 1916, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Michigan State Tel. Co. 5s, 1924, 
Minneapolis General Electric Co. 5s, 1934, 
New England Cotton Yarn Co. 5s, 1929, 
Western Tel. & Tel. Co. 5s, 1932, 
Westinghouse Electric Co. 5s, 1931, . 



Book Value. 


Rate. 


Market Value. 


$800 


00 


101 


$1,010 00 


100 


00 


103 


103 00 


3,000 


00 


120 


2,880 00 


625 


00 


111 


555 00 


1,850 


00 


146 


2,044 00 


400 


00 


123 


492 00 


1,300 


00 


113 


1,469 00 


2,000 


00 


135 


2,700 00 


1,550 


00 


128 


1,984 00 


420 


00 


175 


700 00 


700 


00 


143 


1,001 00 


300 


00 


98 


392 00 


2,000 


00 


85 


1,785 00 


500 


00 


111 


1,110 00 


1,000 


00 


73 


730 00 


750 


00 


122 


610 00 


575 


00 


66 


297 00 


2,000 


00 


94 


1,880 00 


2,000 


00 


103 


2,060 00 


1,730 


00 


80 


1,600 00 


2,000 


00 


97 


1,940 00 


2,000 


00 


97 


1,940 00 


961 


00 


97 


970 00 


2,875 


00 


91 


2,730 00 


1,000 


00 


99 


990 00 


1,000 


00 


100 


1,000 00 


1,000 


00 


100 


1,000 00 


3,000 


00 


97 


2,910 00 


1,950 


00 


92 


1,840 00 


$39,386 00 


$40,722 00 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

Incorporated Feb. 12, 1825. Commenced business July 1, 1825. 
JAMES Y. NOYES, President. THEODORE T. MARSH, Secretary. 

Income. 
Net premiums, . . . . . . . . $86,146 76 

Gross interest on mortgages, $1,059; stocks and bonds, 
$25,105.41; bank deposits, $302.14; gross rents, including 
$375 for company's own occupancy, $1,350, .... 27,816 55 



NORFOLK MUTUAL FIRE INSURANCE CO. 



67 



Gross profit on sale of bonds, 
From all other sources, . 

Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . . 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 

Rents, including $375 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, . . . . . 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $369.30; bonds, $6,806.84, 
Rents due on company's property, .... 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, . . . ... 

Unearned premiums on outstanding risks, 



, 


$232 80 


• 


40 00 


. $114,236 


11 


• 


627,716 


73 


. $741,952 84 


$24,126 33 




495 


16 




50,011 


66 




12,969 


25 




49 


00 




7,933 30 




425 00 




656 


26 




299 


98 




182 


10 




372 


71 




202 


91 




25 


25 




764 


12 




235 


64 




820 


15 




252 


89 


$99,821 


71 


$642,131 


13 


$15,000 00 




22,050 


00 




586,316 43 




153 


81 




1,960 78 




13,222 


52 




3,427 


59 




$642,131 


13 


7,176 


14 


187 


50 




24,852 


57 


$674,347 34 




221 


80 


$674,125 54 


$161 


33 


. 


191,648 


18 



68 



NORFOLK MUTUAL FIRE INSURANCE CO. 



Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Bisks. Cash Prem's. 

. $26,219,699 00 $373,478 28 

6,197,193 00 88,756 13 



$32,416,892 00 
5,809,384 00 

$26,607,508 00 

Miscellaneous. 



$462,234 41 
84,344 43 



$1,763 08 

100 00 

230 45 

492 88 

$194,395 92 

479,729 62 

$674,125 54 



Conting'tf Prem's. 

$373,478 28 
88,756 13 

$462,234 41 
84,344 43 



$377,889 98 $377,889 98 



Net premiums received from organization of company, . . $3,391,182 20 
Net losses paid from organization of company, . . . 1,209,587 25 

Cash dividends paid policy holders from organization of company, 1,660,722 05 
Losses incurred during the year, ...... 20,153 37 

Dividends to policy holders during 1910, 25, 50 and 70 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 



100 shares Atch. 

213 

125 

75 

20 
100 

60 



Railroad Stocks. 
, Topeka & Santa Fe, common, 

Atch., Topeka & Santa Fe, preferred, 

Boston & Albany, 

Boston & Lowell, 

Boston & Providence, 

Old Colony, . 

Union Pacific, preferred, 
Miscellaneous Stocks. 
80 shares Dedham Water Co., . 
Municipal Bonds. 
Boston, Mass., 4s, 1921-23, 
Chelsea, Mass., 4s, 1936, . 
Chicago, 111., 4s, 1922, 
Fall River, Mass., 4s, 1929, 
Lawrence, Mass., 4s, 1917, 
Lynn, Mass., 4s, 1926, 
Lynn, Mass., 4s, 1929, 
Newton, Mass., 4s, 1915-20, 
Newton, Mass., 4s, 1924-28, 
New York, N. Y., 4fs, 1957, 
North Andover, Mass., 4s, 1923, 
Salem, Mass., 4s, 1914, 
Taunton, Mass., 4s, 1928, 
Taunton, Mass., 4s, 1914, 

Railroad Bonds, 
Atch., Topeka & Santa Fe general 4s, 1995, 
Atch., Topeka & Santa Fe adjustment 4s, 1995, 
Boston & Albany 3|s, 1952, 
Boston & Lowell 4s, 1913, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4s, 1942, 
Boston & Maine 4|s, 1944, 
Boston & Providence 4s, 1918, 
Boston, Revere Beach & Lynn 4fs, 1927, 
Chic, Burl. & Quincy (111. Div.) 4s, 1949, 
Chic, Milwaukee & St. Paul general 4s, 1989, 



Book Value. 


Rate. 


Market Value. 


$9,418 75 


101 


$10,100 00 


4,678 


20 


103 


21,939. 00 


22,494 


24 


225 


28,125 00 


10,818 


25 


224 


16,800 00 


4,070 


50 


298 


5,960 00 


17,071 


74 


191 


19,100 00 


2,670 


00 


93 


5,580 00 


8,000 


00 


108 


8,640 00 


15,713 


75 


101 


15,150 00 


11,937 


50 


102 


10,200 00 


5,056 


25 


100 


5,000 00 


2,317 


50 


102 


2,040 00 


5,600 


00 


101 


5,050 00 


11,482 


50 


101 


11,110 00 


9,113 


75 


102 


8,160 00 


3,368 


75 


100 


3,000 00 


13,562 


50 


101 


12,120 00 


10,262 


50 


107 


10,700 00 


5,631 


25 


101 


6,060 00 


5,403 


50 


100 


5,000 00 


6,855 


00 


102 


6,120 00 


4,350 


00 


100 


4,000 00 


17,550 


00 


100 


22,500 00 


5,160 


00 


92 


11,040 00 


20,562 


50 


88 


17,600 00 


5,012 


50 


100 


5,000 00 


10,200 


00 


98 


9,800 00 


14,881 


25 


96 


13,440 00 


23,725 


00 


105 


21,000 00 


20,450 


00 


99 


19,800 00 


10,800 


00 


103 


10,300 00 


10,125 


00 


100 


10,000 00 


9,975 00 


100 


10,000 00 



PAPER MILL MUTUAL INSURANCE CO. 



69 



Concord & Montreal 1st 4s, 1920, 
Connecticut & Passumpsic Rivers 4s, 1943, . 
Delaware & Hudson 1st and ref. 4s, 1943, . 
Dexter & Newport 4s, 1917, 

Fitchburg 4s, 1915, 

Fitchburg 4s, 1927, 

Fremont, Elkhorn & Missouri Valley 6s, 1933, 

Illinois Central (St. Louis Div.) 3fs, 1951, . 

Maine Central 4£s, 1912, .... 

Maine Central 5s, 1923, .... 

N. Y. C. & Hud. R. (Lake Shore col.) 3|s, 1998, 

New York, New Haven & Hartford 4s, 1947, 

No. Pac.-Gt. No. (C. B. & Q. col.) 4s, 1921, 

Norwich & Worcester 4s, 1927, 

Old Colony 4s, 1925, 

Old Colony 4s, 1938, 

Old Colony 3 is, 1932, 

Oregon Short Line 6s, 1922, 

Portland & Rumford Falls 4s, 1926, . 

Rock Island & Frisco Terminal 1st 5s, 1927, 

Union Pacific 1st 4s, 1947, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 

$10,200 00 

5,037 50 

7,880 00 

6,210 00 

5,312 50 

22,447 50 

5,441 25 

4,925 00 

10,700 00 

5,412 50 

8,625 00 

17,450 00 

22,000 00 

21,450 00 

19,118 75 

17,386 25 

5,150 00 

10,100 00 

10,000 00 

15,750 00 

4,050 00 

13,352 50 



,316 43 



Rate. 
99 
98 

100 
99 
99 
99 

127 
87 

100 

108 
80 
95 
96 
99 
99 
99 
92 

115 
97 

103 

101 

91 



Market Value. 

$9,900 00 

4,900 00 

8,000 00 

5,940 00 

4,950 00 

19,800 00 

6,350 00 

4,350 00 

10,000 00 

5,400 00 

8,000 00 

18,050 00 

21,120 00 

19,800 00 

18,810 00 

16,830 00 

4,600 00 

11,500 00 

9,700 00 

15,450 00 

4,545 00 

12,740 00 
$611,169 00 



PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated November, 1886. Commenced business April 1, 1887. 
R. W. TOPPAN, President. D. W. LANE, Secretary. 

Office, 81 Milk Street. 

Income. 

Net premiums, $219,667 62 

Gross interest on bonds, $7,453.88; bank deposits, $377.34, . 7,831 22 



Total income, . 

Ledger assets, Dec. 31, 1909, . 

Total, 

Disbursements 

Net amount paid policy holders for losses, 

Dividends to policy holders, . 

Salaries, fees, etc., of officers and employees, 

Rents, . . . . . 

Printing and stationery, 

Postage, telegrams, telephone and express 

Furniture and fixtures, . 

Fire department, patrol and salvage corps 

Inspections and surveys, 

State taxes on premiums, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 

Book value of bonds (schedule A), . 
Cash in office, . . ■ . 



fees and taxes, 



$227,498 84 
204,369 37 

$431,868 21 



$6,987 05 

183,910 18 

8,159 65 

480 00 

419 75 

198 28 

13 75 

27 93 

3,711 75 

2,082 08 

1,001 59 

1,092 50 

173 21 

$208,257 72 

$223,610 49 



$199,916 20 
218 16 



70 



PAPER MILL MUTUAL INSURANCE CO. 



Deposits in trust companies and banks on interest, . 
Premiums in course of collection, .... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on bonds, ..... 

Gross assets, ....... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. 

. $26,355,434 00 $196,340 58 

. 31,369,996 00 228,572 86 



$19,099 01 
4,377 12 

$223,610 49 

2,542 43 
$226,152 92 

1,186 20 
$224,966 72 

$450 00 

108,167 40 

17 00 

1,590 15 

$110,224 55 
114,742 17 

$224,966 72 



Conting't Prem's. 

$981,702 90 
1,142,864 30 



$57,725,430 00 
28,634,106 00 



$424,913 44 $2,124,567 20 
208,578 63 1,042,893 15 



$29,091,324 00 $216,334 81 $1,081,674 05 



Miscellaneous. 

Net premiums received from organization of company, . . $2,108,434 16 

Net losses paid from organization of company, . . . 162,521 73 

Cash dividends paid policy holders from organization of company, 1,641,725 01 
Losses incurred during the year, ...... 7,149 59 

Dividends to policy holders during 1910, 92.16 per cent. 

Schedule A. Bonds owned by the Company. 

Municipal Bonds. 
Boston, Mass., 3§s, 1932, . 
Boston, Mass., 3£s, 1933, . 
Newton, Mass. 4s, 1922, . 
New York, N. Y., 4Js, 1957, 

Railroad Bonds. 
Boston & Albany 4s, 1913, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1916, 
Boston & Maine 4|s, 1944, 
Boston & Maine 4s, 1926, 
Chicago, Burl. & Quincy (111. Div.) 4s, 1949, 
Chicago, Burl. & Quincy general 4s, 1958, . 
Chicago Jet. & Union Stock Yards 4s, 1940, 
Cincinnati, Sandusky & Cleveland 5s, 1928, 
Concord & Montreal 4s, 1920, . 
Delaware & Hudson 4s, 1943, 



Book Value. 


Rate 


Market Value. 


$5,000 00 


95 


$4,750 00 


10,000 00 


94 


9,400 00 


5,000 00 


101 


5,050 00 


5,000 00 


107 


5,350 00 


10,000 00 


99 


9,900 00 


20,000 00 


97 


19,400 00 


5,000 00 


99 


4,950 00 


5,000 00 


105 


5,250 00 


4,825 00 


97 


4,850 00 


4,837 50 


100 


5,000 00 


9,875 00 


97 


9,700 00 


4,950 00 


90 


4,500 00 


5,000 00 


108 


5,400 00 


5,000 00 


99 


4,950 00 


10,000 00 


100 


10,000 00 



QUINCY MUTUAL FIRE INSURANCE CO. 



71 



Fitchburg 4s, 1927, . 

Maine Central 5s, 1923, . 

Mohawk & Malone 4s, 1991, 

N. Y. C. & H. R. (Lake Shore col.) 

N. Y. Central equipment 5s, 1919, 

N. Y., N. H. & H. (Pt. Chester Div.) 

Pennsylvania 5s, 1919, 

Pennsylvania 4s, 1948, 

St. Paul, Minneapolis & Manitoba 4s, 

West End Street 4s, 1915, 

West End Street 4s, 1932, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, 
Mass. Gas. Co. 4}s, 1929, . 
New York Telephone Co. 4fs, 1939, 
Western Electric Co. 5s, 1922, . 





Book Value. 


Rate. 


Market Value. 


m . 


$5,000 


00 


99 


$4,950 00 




5,000 


00 


108 


5,400 00 




5,000 


00 


99 


4,950 00 


3|s, 1998, 


4,993 


75 


80 


4,000 00 




4,993 


75 


104 


5,200 00 


.)'4s, 1954, 


5,000 


00 


100 


5,000 00 




5,000 


00 


109 


5,450 00 




1,923 


08 


104 


2,080 00 


Ls, 1933, 


9,800 


00 


99 


9,900 00 




5,000 


00 


99 


4,950 00 




14,843 


75 


96 


14,400 00 




9,106 


25 


91 


9,100 00 




4,987 


50 


99 


4,950 00 




4,811 


87 


99 


4,950 00 


• 


4,968 


75 


100 


5,000 00 




$199,916 


20 


$198,730 00 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

Incorporated March 22, 1851. Commenced business May, 1851. 
CHARLES A. HOWLAND, President. JAMES F. YOUNG, Secretary. 

Income. 

Net premiums, 

Gross interest on mortgages, $3,188.50; collaterals, $5,874.31; 
stocks and bonds, $21,471.16; bank deposits, $631.95; all other, 
$5; gross rents, including $800 for company's own occupancy, 
$1,451.85, 

Gross profit on sale of real estate, . . . . - . 

Dividend Continental National Bank, in liquidation, 

Final dividend Quinsigamond National Bank, in liquidation, 

Final dividend Suffolk National Bank, in liquidation, 



$165,928 07 


32,622 


77 


772 


70 


46 


00 


185 


00 


6 24 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



$199,560 78 
720,048 91 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, . 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Gross loss on sale of real estate, 



.919,609 69 


$52,129 60 
950 68 


63,134 22 

25,003 51 

16,542 45 

800 00 


1,605 28 
936 92 


79 


14 


573 


33 


1,173 35 

748 68 


299 


90 


518 46 


132 


17 


596 


67 


2,170 06 
462 42 


235 


00 



72 



QUINCY MUTUAL FIRE INSURANCE CO. 



Agents' balances charged off, 
All other disbursements, 

Total disbursements, 

Balance, 



Ledger Assets. 



Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $898.82; bonds, $4,584.86; collateral loans, $451.37 

other assets, $50.23, ....... 

Rents due and accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 

Gross assets, . . . . . . . - . 

Assets not admitted. 

Agents' balances over three months due, . . . $2,071 54 
Town of Framingham, 4 per cent, note, 1909, disal- 
lowed, and interest on same, .... 26,208 32 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, ......... 

Unearned premiums on outstanding risks, .... 

Dividends due policy holders, ...... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 

Total, . . 

Surplus to policy holders, . . . . . 

Total liabilities, including surplus, ..... 



In force Dec. 31, 1909, . 
Written during the year, 

Total, '. 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

. $35,497,167 00 
. 11,285,469 00 



$79 08 


532 03 


. $168,702 95 


. $750,906 74 


$17,256 00 


80,279 33 


113,000 00 


490,312 11 


259 63 


33,647 99 


16,151 68 


. $750,906 74 


$5,985 28 


385 16 


5,258 00 


59,924 89 


. $822,460 07 



Cash Prem's. 

$532,761 28 
174,854 24 



$46,782,636 00 
10,279,076 00 



$707,615 52 

158,876 84 



28,279 86 
$794,180 21 



$1,442 39 

280,356 43 

2,280 57 

294 00 

352 63 

$284,726 02 
509,454 19 

$794,180 21 



Conting't Prem's. 

$532,761 28 
174,854 24 

$707,615 52 

158,876 84 



$36,503,560 00 $548,738 68 $548,738 68 



QUINCY MUTUAL FIRE INSURANCE CO. 



73 



Miscellaneous. 

Net premiums received from organization of company, . . $6,621,930 87 

Net losses paid from organization of company, . . . 2,820,011 33 

Cash dividends paid policy holders from organization of company, 2,398,780 73 
Losses incurred during the year, ...... 53,942 79 

Dividends to policy holders during 1910, 20, 40 and 60 per cent. 



Schedule A. Securities held as Collateral. 



Company's 
Market Value. 



250 shares Quincy Elec. Lt. & Power Co 
125 " Lawrence Duck Co., 

41 " National Granite Bank, 
103 " National Granite Bank, 
Mortgage note of G. W. Hollis, 
Mortgage note of J. E. McDonald, 

70 shares Wachusett National Bank, 
Dallas Cotton Mills 6s, 1926, . 

50 shares King Coal Co., 
100 " North Packing & Provision Co. 
240 " Swift & Co., . 

24 " N. E. Tel. & Tel. Co., 



$45,000 

12,500 

6,560 

16,480 

39,000 

9,000 

7,000 

6,000 

5,000 

11,000 

24,480 

3,336 



00 

00 \ 

00/ 

00 

00 

00 

00 

00 

00 

00 

00 

00 



Loaned 
Thereon. 

$25,000 00 
15,000 00 
10,000 00 
25,000 00 

8,000 00 

7,500 00 

20,000 00 
2,500 00 



$185,356 00 $113,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 

11 shares Old Colony, .... 
Bank Stocks. 
100 shares Brockton National, . 
250 " Commonwealth Trust Co., Boston, 

32 " First National, South Weymouth, 

48 " Granite National, Quincy, 

40 " Hingham National, . 

40 " Merchants National, Boston, 
335 " Mt. Wollaston National, Quincy, 

20 " Old Colony National, Plymouth, 

29 " Plymouth National, . 

88 " Rockland National, Boston, 

50 " Rockland Trust Co., 

87 " Second National, Boston, . 

60 " State National, Boston, 

85 " State Street Trust Co., Boston, 

50 " Wachusett National, Fitchburg, 

Miscellaneous Stocks. 
200 shares Lawrence Duck Co., . 
32 " Michigan Telephone Co., preferred, 

State and Municipal Bonds. 
Framingham, Mass., note, 4s, 1909, . 
Massachusetts 3s, 1930, .... 
Providence, R. I., 3s, 1930, 

Railroad Bonds. 
Baltimore & Ohio 4£s, 1913, 
Granite Railway note, 5£s, 1911, 
Granite Railway note, 6s, 1911, 
Nor. Pac.-Gt. Nor. (C. B. & Q. col.) 4s, 1921, 
Oregon Short Line 4s, 1929, 
Peoria Railway Terminal 1st 4s, 1937, 

Miscellaneous Bonds. 
American Tel & Tel. Co. 4s, 1929, 
California Gas & Electric Corp. 5s, 1937, 
Central Union Telephone Co. 6s, 1916, 
Lawrence Duck Co. notes, 5|s, 1911, . 
Michigan State Telephone Co. 1st 5s, 1924, 
Minneapolis General Electric Co. 5s, 1934, . 
New York Telephone Co. 4|s, 1939, . 
Pacific Coast Power Co. 1st 5s, 1940, 



Book Value. 
$1,100 00 

10,000 00 

37,500 00 

3,538 75 

6,295 75 

5,639 25 

6,040 00 

41,240 75 

2,300 00 

3,433 00 

12,056 00 

6,000 00 

15,056 00 

8,792 88 

12,050 00 

10,000 00 

20,000 00 
1,605 00 

25,000 00 
48,187 50 
19,050 00 

4,950 00 
5,000 00 
5,000 00 

24,033 48 
9,487 50 

11,900 00 

23,268 75 

4,775 00 

5,250 00 

15,000 00 

10,000 00 

17,012 50 

9,725 00 

4,750 00 



Rate. 
191 

150 
205 
100 
160 
113 
265 
120 
115 
120 
171 
130 
266 
175 
250 
100 

100 
98 

100 

89 



100 

100 

100 

96 

93 

86 

91 

93 

104 

100 

99 

100 

99 

97 



Market Value. 
$2,101 00 



00 
00 
00 
00 
00 



15,000 
51,250 

3,200 

7,680 

4,520 
10,600 00 
40,200 00 

2,300 

3,480 
15,048 

6,500 
23,142 
10,500 
21,250 

5,000 



00 
00 
00 
00 
00 
00 
00 
00 



20,000 00 
3,136 00 

25,000 00 
44,500 00 
17,600 00 

5,000 00 
5,000 00 
5,000 00 

46,080 00 
9,300 00 

12,040 00 



22,750 00 

4,650 00 

5,200 
15,000 

9,900 
17,000 

9,900 



00 
00 
00 
00 
00 



4,850 00 



74 



RUBBER MANUFACTURERS MUTUAL INSURANCE CO. 



Pacific Telephone & Telegraph Co. 5s, 1937, 

Quincy Elec. Lt. & Power Co. 4|s, 1921, . 

Quincy Elec. Lt. & Power Co. note, 5fs, 1911, 

Seattle Electric Co. 5s, 1929, 

Tacoma Gas Light Co. 5s, 1926, 

Western Electric Co. 5s, 1922 (1st instal. paid), 

Western Telephone & Telegraph Co. 5s, 1912, 



Book Value. 


Rate. 


Market Value 


$9,625 00 


100 


$10,000 00 


5,100 00 


103 


5,150 00 


5,000 00 


100 


5,000 00 


10,000 00 


99 


9,900 00 


5,250 00 


88 


6,160 00 


350 00 


100 


350 00 


9,950 00 


100 


10,000 00 


$490,312 11 


$550,237 00 



RUBBER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

BOSTON. 

Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885. 
ARTHUR H. LOWE, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 

Income. 

Net premiums, $465,229 69 

Gross interest on bonds, $16,275.12; bank deposits, $1,536.24; 
all other, $20.91, 17,832 27 



Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, - . 

Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, . . . . . . . . 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes, . 
Inspection department, for inspections, maps, plans and adjust- 
ment of losses, . 
State taxes on premiums, ...... 

Insurance department licenses and fees, .... 

Other licenses, fees and taxes, ..... 

Gross loss on sale of bonds, .... 

Gross decrease in book value of bonds, .... 

All other disbursements, . . . . . 

Total disbursements, . 

Balance, . . . . . . 

Ledger Assets. 

Book value of bonds (schedule A), . . . . . 

Cash in office, ........ 

Deposits in trust companies and banks on interest, . 
Premiums in course of collection, ..... 

Total ledger assets, ...... 



$483,061 96 
436,121 84 

$919,183 80 



$24,610 74 

389,325 45 

13,116 11 

1,198 80 

1,319 88 

749 66 

70 52 

21 77 

12,815 40 

6,351 01 

154 00 

1,915 69 

2,850 00 

50 00 

1,901 59 

$456,450 62 

$462,733 18 



$395,713 ,75 

126 42 

51,209 37 

15,683 64 

$462,733 18 



RUBBER MANUFACTURERS MUTUAL INSURANCE CO. 



75 



Non-Ledger Assets. 
Interest due and accrued on bonds, 

Gross assets, ...... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, . . . . 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, . . 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $52,132,052 00 
. 56,897,121 00 



$6,299 15 
$469,032 33 

3,983 75 
$465,048 58 



$2,749 46 

232,491 44 

351 92 

6,509 41 

$242,102 23 
222,946 35 

$465,048 58 



Cash Prem's. Conting't Prem's. 

$457,862 12 $2,289,310 60 
487,625 55 2,438,127 75 



$109,029,173 00 
55,166,592 00 



$945,487 67 
480,504 79 



54,727,438 35 
2,402,523 95 



$53,862,581 00 $464,982 88 $2,324,914 40 



Miscellaneous. 

Net premiums received from organization of company, . . $6,860,655 82 

Net losses paid from organization of company, . . . 1,182,933 96 

Cash dividends paid policy holders from organization of company, 4,478,733 87 

Losses incurred during the year, . . . . . . 23,162 29 

Dividends to policy holders during 1910, 85 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. 
Fall River, Mass., 3is, 1915, 
Massachusetts 3|s, 1940, . 

Railroad Bonds. 
Atchison, Topeka & Santa Fe 4s, 1928, 
Bangor & Aroostook consolidated 4s, 1951, 
Bangor & Aroostook 5s, 1943, . 
Boston Elevated 4s, 1935, 
Boston & Lowell 3^s, 1919, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Chicago & Eastern Illinois equip. 4fs, 1914, 
Chicago, Rock Island & Pacific 4|s, 1915, 
El Paso & Rock Island 5s, 1951, 
Fitchburg 4s, 1928, .... 
Fitchburg 4s, 1927, .... 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
Maine Central 4|s, 1916, . 
Maine Central 4s, 1912, . 





Book Value. 


Rate. 


Market Value. 


$20,000 


00 


98 


$19,600 00 


18,000 


00 


95 


17,100 00 


9,820 


00 


97 


9,700 00 




4,250 


00 


80 


4,000 00 




10,000 


00 


107 


10,700 00 




6,000 


00 


97 


5,820 00 




20,000 


00 


96 


19,200 00 




9,643 


75 


97 


9,700 00 




3,000 


00 


100 


3,000 00 


> 


4,937 


50 


98 


4,900 00 




3,000 


00 


99 


2,970 00 




5,000 


00 


103 


5,150 00 




10,000 


00 


98 


9,800 00 




10,000 


00 


99 


9,900 00 




2,970 


00 


94 


2,820 00 




14,790 


00 


93 


15,810 00 




16,000 


00 


102 


16,320 00 




4,000 


00 


100 


4,000 00 



76 



SALEM MUTUAL FIRE INSURANCE CO. 



Maryland, Delaware & Virginia 5s, 1955, 

N. Y. C. & H. R. (Lake Shore col.) 3|s, 1998, 

New York, Chicago & St. Louis 4s, 1931, . 

New York, New Haven & Hartford 4s, 1955, 

New York, New Haven & Hartford 4s, 1914, 

New York, Ontario & Western 5s, 1915, 

Northern Maine Seaport 5s, 1935, 

Nor. Pac.-Gt. Nor. (C. B. & Q. col.) 4s, 1921, 

Pennsylvania 3fs, 1915, .... 

Richmond-Washington 4s, 1943, 

St. Louis Merchants Bridge Terminal 5s, 1930, 

West End Street 4s, 1917, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
American Writing Paper Co. 5s, 1919, 
New England Tel. & Tel. Co. 5s, 1919, 
New England Tel. & Tel. Co. 4s, 1930, 
Western Electric Co. 5s, 1922, . 
Western Telephone & Telegraph Co. 5s, 1912, 
Western Union Telegraph Co. 4fs, 1950, 



Book Value. 


Rate. 


Market Value. 


$10,000 


00 


100 


$10,000 00 


12,000 


00 


80 


12,000 00 


9,262 


50 


92 


9,200 00 


20,000 


00 


95 


19,000 00 


980 


00 


99 


990 00 


5,000 


00 


102 


5,100 00 


15,000 


00 


103 


15,450 00 


16,310 


00 


96 


16,320 00 


945 


00 


96 


960 00 


9,000 


00 


98 


8,820 00 


25,000 


00 


108 


27,000 00 


4,993 


75 


98 


4,900 00 


21,875 


00 


91 


20,020 00 


10,000 


00 


90 


9,000 00 


10,000 


00 


103 


10,300 00 


17,000 


00 


94 


15,980 00 


1,992 


50 


100 


2,000 00 


14,943 


75 


100 


15,000 00 


20,000 


00 


96 


19,200 00 


$395,713 


75 


$391,730 00 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

Incorporated April 17, 1838. Commenced business May 1, 1838. 
S. HERBERT WILKINS, President. ARTHUR DERBY, Secretary. 

Income. 

Net premiums, $40,948 60 

Gross interest on mortgages, $84; stocks and bonds, $3,401.54 

bank deposits, $46, . . . . . . . 3,531 54 

Dividends on reinsurance, . . . . . . . 319 65 

Borrowed money, ......... 2,500 00 

Increase in agents' balances,* ...... 1,966 41 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



$49,266 20 
95,892 14 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special agents, 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, ..... 

Gross loss on sale or maturity of bonds, . 
Borrowed money repaid, ..... 



$145,158 


34 


$18,499 93 
256 53 


11,666 


45 


6,460 39 
417 31 


4,060 


00 


600 


00 


281 


91 


384 71 


25 


75 


64 


99 


262 


91 


97 


59 


131 


92 


390 


96 


196 39 


2,500 00 



* On account of change from net to gross basis in annual statement. 



SALEM MUTUAL FIKE INSURANCE CO. 



77 



Interest on borrowed money, .... 
All other disbursements, .... 

Total disbursements, 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $10.30; bonds, $1,052.43, 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, . 

Book value of stocks and bonds over market value, 



Admitted assets, . . 

Liabilities. 

Unpaid losses, $1,113.38; less reinsurance, $1.20, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



• 


$31 25 
157 39 


$46,486 38 




$98,671 96 

$2,100 00 

87,752 81 

186 05 

2,786 37 

5,846 73 



)8,671 96 



1,062 73 



• 


$99,734 69 


$360 60 
1,597 81 


1,958 41 


• 


$97,776 28 


S, 4 


$1,112 18 

48,489 06 

1,927 32 

31 97 

912 46 

122 98 

246 01 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

$6,255,865 00 $103,690 44 

2,828,489 00 44,739 45 



£9,084,354 00 
2,764,744 00 

£6,319,610 00 
248,719 00 



$148,429 89 
46,433 99 

$101,995 90 
4,160 92 



$52,841 98 
44,934 30 

$97,776 28 



Conting't Prem's. 

$103,690 44 

44,739 45 

$148,429 89 
46,433 99 

$101,995 90 



$6,070,891 00 $97,834 98 



78 



SALEM MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Losses incurred during the year, ...... $18,549 

Dividends paid policy holders during 1910; 20, 25, 30, 35 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
7 shares Boston & Maine, preferred, 
2 " Boston & Maine, common, . 

Miscellaneous Stocks. 
22 shares Salem Gas Light Co., 

State and Municipal Bonds 
Akron, Ohio, 4§s, 1911, . 
Akron, Ohio, 4s, 1913, 
Boston, Mass., 3|s, 1928, . 
Boston, Mass., 4s, 1916, . 
Boston, Mass., 3£s, 1919-20, 
Brockton, Mass., 4s, 1913-15, 
Canton, Ohio, 3§s, 1915, . 
Chelsea, Mass., 4s, 1911, . 
Chicago, 111., 4s, 1921, 
Columbus, Ohio, 4s, 1912-34, 
Cranston, R. I., 4s, 1925, . 
Dayton, Ohio, 4s, 1915, . 
Dayton, Ohio, 3fs, 1917. . 
Fall River, Mass., Shs, 1930, 
Gloucester, Mass., 4|s, 1916, 
Haverhill, Mass., 4s, 1922, 
Lynn, Mass., 3is, 1913, . 
Lynn, Mass., 4s, 1921, 
Marlborough, Mass., 4s, 1911, 
Massachusetts 3s, 1928, . 
Massachusetts 3|s, 1938, . 
Medford, Mass., 4s, 1917, 
Meriden, Conn., 3^s, 1919, 
Minneapolis, Minn., 4|s, 1914, 
New Bedford, Mass., 4s, 1912, 
New Britain, Conn., 4s, 1918, 
Northampton, Mass., 3 is, 1912, 
Peabody, Mass., 3£s, 1911, 
Peabody, Mass., 4s, 1921, 
Peoria, 111., 4s, 1926, 
Portland, Me., Water District 4s, 1928, 
Portsmouth, N. H., 4s, 1913, 
Quincy, 111., ^s, 1911, 
Quincy, Mass., 3.65s, 1911, 
Quincy, Mass., 4s, 1916, . 
Stamford, Conn., 3|s, 1921, 
Stamford, Conn., 4s, 1914, 
Swampscott, Mass., 4s, 1911, 
Toledo, Ohio, 4s, 1922, 
Yonkers, N. Y., 4^s, 1915, 
Yonkers, N. Y., 4±s, 1916-17, 

Railroad Bonds 
Boston & Albany 4s, 1913, 
Boston & Lowell 4s, 1932, 
Boston & Lowell 4s, 1913, 
Boston & Maine 4s, 1937, 
Boston & Maine 4s, 1942, 
Boston & Providence 4s, 1918, 
Fitchburg 4s, 1927, . 
Maine Central 4s, 1912, . 
Old Colony 4s, 1925, ' . 
West End Street 4s, 1932, 



92 



Book Value. 


Rate. 


Market Value. 


$700 


00 


155 


$1,085 00 


200 


00 


120 


240 00 


2,506 


29 


200 


4,400 00 


1,052 


50 


100 


1,000 00 


1,034 


92 


100 


1,000 00 


1,081 


25 


95 


950 00 


1,111 


25 


101 


1,010 00 


3,148 


75 


97 


2,910 00 


2,012 


50 


100 


2,000 00 


997 


50 


98 


980 00 


2,170 


00 


100 


2,000 00 


3,125 


00 


100 


3,000 00 


3,102 


50 


100 


3,000 00 


1,050 


00 


99 


990 00 


1,038 


70 


100 


1,000 00 


1,996 


51 


97 


1,940 00 


2,850 


00 


95 


2,850 00 


3,111 


00 


103 


3,090 00 


1,120 


00 


101 


1,010 00 


2,020 


00 


99 


1,980 00 


990 


00 


101 


1,010 00 


1,092 


50 


100 


1,000 00 


1,020 


00 


90 


900 00 


2,280 


00 


95 


1,900 00 


1,060 


00 


100 


1,000 00 


1,047 


80 


96 


960 00 


1,122 


50 


101 


1,010 00 


2,152 


50 


100 


2,000 00 


3,122 


98 


99 


2,970 00 


1,020 


00 


99 


990 00 


1,012 


63 


100 


1,000 00 


1,022 


50 


100 


1,000 00 


1,020 


80 


100 


1,000 00 


5,100 


00 


103 


5,150 00 


1,023 


44 


100 


1,000 00 


2,130 


00 


100 


2,000 00 


1,003 


80 


100 


1,000 00 


1,043 


75 


100 


1,000 00 


1,051 


25 


95 


950 00 


1,043 


75 


100 


1,000 00 


2,060 


00 


100 


2,000 00 


1,040 


00 


101 


1,010 00 


2,070 


60 


101 


2,020 00 


3,117 


45 


102 


3,060 00 


1,052 


50 


99 


990 00 


2,050 


00 


98 


1,960 00 


1,065 


89 


100 


1,000 00 


1,017 


50 


96 


960 00 


997 


50 


96 


960 00 


2,100 


00 


99 


1,980 00 


1,135 


00 


99 


990 00 


2,137 


50 


100 


2,000 00 


1,055 


00 


99 


990 00 


1,065 


00 


96 


960 00 



,752 81 



,155 00 



SAUGUS MUTUAL FIRE INSURANCE CO. 79 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

Incorporated Feb. 24, 1852. Commenced business April 1, 1852. 

HORACE H. ATHERTON, President. WILBUR F. NEWHALL, Secretary. 

[Note. — This company insures nothing but dwellings, farm buildings and their contents, in Lynn, 
Saugus, Lynnfield, Swampscott and Nahant. No cash premiums are taken, but assessments are made 
on deposit notes to pay losses and expenses. All policies are issued for a term of three years.] 

Income. 
Gross interest on bank deposits, ..... 

Assessments,. ........ 

Policy fees, . . . . ... 

Assessments previously charged off, ..... 



$122 36 


1,944 


30 


389 


00 


11 


00 


$2,466 66 


4,985 


86 



Total income, 
Ledger assets, Dec. 31, 1909, . 

Total, . . . . . . $7,452 52 

Disbursements. 

Net amount paid policy holders for losses, 
Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
State taxes on assessments, 
Assessments charged off, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Assessments in course of collection, 

Total ledger assets, .... 

Liabilities. 
Salaries, expenses and accounts, due or accrued, 

Risks and Premiums. 

Risks. Conting't Preni's. 

In force Dec. 31, 1909, $2,332,730 00 $301,737 00 

Written during the year, .... 766,400 00 97,563 00 



$896 83 
1,506 00 
187 50 
56 88 
93 78 
18 56 
29 30 


$2,788 85 


$4,663 67 

$96 37 

4,470 80 

96 50 


$4,663 67 

$25 00 



Total, $3,099,130 00 $399,300 00 

Expired and terminated, .... 804,975 00 103,222 00 



In force at end of year, $2,294,155 00 $296,078 00 

Miscellaneous. 

Net losses paid from organization of company, . . . $74,838 78 

Losses incurred during the year, ...... 896 83 

Assessments laid during the year on deposit notes or contingent 

premiums, ......... 1,933 80 



80 



SOUTH DANVERS MUTUAL FIRE INSURANCE CO. 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

Incorporated June 12, 1829. Commenced business Aug. 1 
G. HORACE MERRILL, President. FRANK 

Income. 

Net premiums, ........ 

Gross interest on stocks and bonds, $1,550.22; bank deposits, $' 

Gross profit on sale of stocks, 

Policy fees and permits, . 

Borrowed money, . . . . . . 

Dividend South Danvers National Bank, in liquidation, 



1829. 

TAYLOR, Secretary. 

$5,939 40 

.02, 1,557 24 

200 00 

98 68 

1,200 00 

135 69 



Total income, ..... 

Ledger assets, Dec. 31, 1909, . 

Total, . . . . ' . . . 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ..... 

Underwriters' boards and tariff associations, 
State taxes on premiums, .... 

Interest on borrowed money, 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest accrued on bonds, .... 
Market value of stocks and bonds over book value, 

Gross assets, . 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ..... 



$9,131 01 
31,338 91 

$40,469 92 



$3,461 33 


18 27 


3,384 48 


397 07 


800 00 


160 38 


111 55 


120 01 


18 00 


. . 28 61 


57 09 


. . . 25 00 


117 05 


$8,698 84 


$31,771 08 


$30,500 57 


605 81 


664 70 



$31,771 08 



254 16 

2,285 43 

$34,310 67 



15 55 



$34,295 12 



SOUTH DANVERS MUTUAL FIRE INSURANCE CO. 



81 



Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Borrowed money, ....... 

Total, . m 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$15,480 83 

211 51 

260 83 

108 02 

17 94 

1,200 00 

$17,279 13 
17,015 99 

$34,295 12 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$1,508,802 00 
387,077 00 



Cash Prem's. Conting't Prem's. 

$30,671 15 $92,013 45 
6,917 36 20,752 08 



$1,895,879 00 

273,187 00 

$1,622,692 00 

53,375 00 

$1,569,317 00 



$37,588 51 
5,231 40 

$32,357 11 
813 20 

$31,543 91 



5112,765 53 
15,694 20 

$97,071 33 



Miscellaneous. 
Losses incurred during the year, ...... $2,146 33 

Dividends to policy holders during 1910, 20, 30, 40, 60 and 100 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
15 shares N. Y., N. H. & Hartford, . 
50 " Pennsylvania, .... 

Bank Stocks. 

1 share Cape Ann National, Gloucester, 
4 shares State National, Boston, 

20 " Warren National, Peabody, 

Miscellaneous Stocks. 
10 shares American Tel. & Tel. Co., . 
20 " Androscoggin Mills, Maine, 

2 " Nashua Manufacturing Co., N. H., 
20 " Naumkeag Steam Cotton Co., Salem, 

Municipal Bonds. 
Providence, R. I., 4s, 1921, 

Railroad Bonds. 
Boston & Maine 4s, 1942, 
N. Y. Central & Hudson River 3£s, 1997, . 
Pennsylvania, conv. 3^s, 1915, . 

Miscellaneous Bonds. 

American Tel. & Tel. Co. 4s, 1936, . 

American Tel. & Tel. Co. 4s, 1929, . 

Western Tel. & Tel. Co. 5s, 1932, . . - 



Book Value. 


Rate. 


Market Value. 


$3,168 
2,949 


75 
36 


151 
129 


$2,265 00 
3,225 00 


150 

560 
2,200 


00 
00 
00 


150 
175 

108 


150 00 

700 00 

2,160 00 


1,276 

2,000 

960 

2,045 


65 
00 
00 
00 


143 

205 
653 
145 


1,430 00 
4,100 00 
1,306 00 
2,900 00 


4,184 


44 


101 


4,040 00 


3,084 
2,094 
1,897 


50 
37 
50 


96 
90 
96 


2,880 00 
1,800 00 
1,920 00 


950 

892 

. • 2,087 


00 
50 
50 


106 
91 
97 


1,060 00 

910 00 

1,940 00 


$30,500 


57 


$32,786 00 



82 



TRADERS AND MECHANICS INSURANCE CO. 



TRADERS' AND MECHANICS' INSURANCE COMPANY, LOWELL. 

Incorporated June, 1848. Commenced business June, 1848. 
CHARLES C. HUTCHINSON, President. EDWARD M. TUCKE, Secretary. 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $2,647.31; collaterals, $684; 

stocks and bonds, $21,595; bank deposits, $35.89; all other, 

$43.30; gross rents, $2,063, 

Commissions on reinsurance, . . . . 
Dividends and return premiums on reinsurance, 
Borrowed money, ......... 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . . 

Commissions or brokerage, ..... 

Salaries and expenses of special agents, . . 

Salaries, fees, etc., of officers and emploj^ees, 

Rents, ......... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . . . . 

Furniture and fixtures, . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, . . . 

Insurance department licenses and fees, . 
Interest on borrowed money, . . . . 

All other disbursements, . . 

Total disbursements, ..... 



Balance, ..... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Due from other companies, . . ■ . 

Total ledger assets, .... 



$181,749 91 



27,068 50 

419 77 

1,299 86 

15,000 00 



$225,538 04 
524,868 55 



$750,406 59 


$75,959 30 

1,218 39 

87,128 65 


27,133 76 
5,361 50 

14,875 68 


1,720 00 
1,142 80 


698 68 


61 27 


53 00 


1,120 05 


853 16 


211 17 


732 35 


350 88 


2,329 63 


435 00 


105 35 


1,769 44 


$223,260 06 


$527,146 53 


$16,230 09 

47,577 60 

17,100 00 

431,100 00 

587 38 


1,777 85 


12,766 62 


6 99 


$527,146 53 



TRADERS AND MECHANICS INSURANCE CO. 



Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $2,379.42; bonds, $1,483.35; collateral loans, $123.22, 
Market value of real estate over book value, .... 
Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, ..... 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $1,500 resisted, . 
Unearned premiums on outstanding risks, 
Interest accrued on borrowed money, 
Dividends due policy holders, 
State, county and municipal taxes, due or accrued, 
Borrowed money, ...... 

Total, ;. 

Surplus to policy holders, 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$52,019,619 00 
12,701,164 00 



Cash Prein's. 

$760,311 77 
193,461 85 



$64,720,783 00 
13,559,732 00 

$51,161,051 00 
821,566 00 



$953,773 62 
208,033 42 

$745,740 20 
9,382 89 



$50,339,485 00 $736,357 31 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, 



$3,985 99 

769 91 

89,195 00 

$621,097 43 



1,179 11 
$619,918 32 



$3,756 78 

342,718 25 

129 08 

3,185 09 

750 00 

15,000 00 

$365,539 20 
254,379 12 

$619,918 32 



Conting't Prem's. 

$760,311 77 
193,461 85 

$953,773 62 
208,033 42 

$745,740 20 



55,461,360 20 

2,234,674 95 

2,154,424 93 

78,101 22 



Dividends to policy holders during 1910, 20, 30, 40, 40-50 and 60 per cent. 



4 shares Lowell Gas Light Co. 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
$1,160 00 \ 
260 00 / 
1,300 00 < 

500 00 
1,260 00 
2,340 00 
940 00 
1,656 00 1 
3,825 00 / 
8,500 00 
600 00 1 
570 00 / 



2 " Tremont & Suffolk Mills, . 

. 13 " Swift Co 

10 " St. Mary's Mineral Land Co., 

20 Amalgamated Copper Co., . 

18 Massachusetts Cotton Mills, 

20 U. S. Smelting Co., preferred, 

12 " N. E. Tel. & Tel. Co., 

45 Massachusetts Electric Co., preferred, 

100 Massachusetts Electric Co., preferred, 

10 Merrimack Mfg. Co., common, . 

6 " Merrimack Mfg. Co., preferred, 



Loaned 
Thereon. 

$1,000 00 

4,600 00 

2,000 00 
8,500 00 
1,000 00 



$22,911 00 $17,100 00 



84 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE CO. 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
25 shares Vermont & Massachusetts, 
Bank Stocks. 
100 shares Old Lowell National, 

Miscellaneous Stocks. 
35 shares Bigelow Carpet Co., Lowell, 
34 " Boott Mills, Boston, . 

2 " Hamilton Mfg. Co., Lowell, 
95 " Lawrence Gas Co., 
462 " Lowell Gas Light Co., 
121 " Massachusetts Cotton Mills, Lowell, 

68 " Massachusetts Cotton Mills, Ga., 
200 " Massachusetts Electric Cos., preferred 
200 " Massachusetts Gas Co., preferred, 
110 " Merrimack Mfg. Co., common, . 
66 " Merrimack Mfg. Co., preferred, 
15 " Middlesex Co., 
50 " Tremont & Suffolk Mills, . 

State and Municipal Bonds. 
Chicago, 111., 4s, 1914, 
Fitchburg, Mass., 4s, 1925, 
Holyoke, Mass., 4s, 1927, . 
Maiden, Mass., 4s, 1925, . 
Marblehead, Mass., 4s, 1921, 
Marlboro, Mass., 4s, 1924, 
Massachusetts 3s, 1941, 

Railroad Bonds 
Boston & Maine 4£s, 1944, 
Boston & Maine 4s, 1926, 
Fitchburg 4}s, 1914, 

Illinois Cent. (Omaha Div.) 1st 3s, 1951, 
Long Island (N. Shore Br.) 5s, 1932, . 
Long Island City & Flushing 5s, 1937, 
New England cons. 5s, 1945, 
Ogdensburg & Lake Champlain 4s, 1948, 
Rutland Canadian 4s, 1949, 
Southern (St. Louis Div.) 4s, 1951, 
United Tr. & El Co., Prov., R. L, 5s, 1933, 
West End Street 4s, 1932, 



Book Value. 
$2,500 00 

10,000 00 



3,500 

3,400 

2,000 

9,500 
46,200 
12,100 

6,800 
20,000 
20,000 
11,000 

6,600 00 

1,500 00 

5,000 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



5,000 
10,000 
15,000 
10,000 
10,000 
10,000 00 
25,000 00 



00 
00 
00 
00 
00 



20,000 
25,000 
15,000 
15,000 
10,000 
1,000 
10,000 
20,000 
20,000 00 
15,000 00 
15,000 00 
20,000 00 

$43 1,100 00 



00 
00 
00 
00 
00 
00 
00 
00 



Rate. 
159 

103 

172 

100 

81 

205 

299 

130 

102 

87 

95 

58 

96 

43 

129 

100 
101 
102 
100 
100 
100 
85 

105 

97 

101 

76 

101 

104 

117 

84 

87 

87 

105 

96 



Market Value. 
$3,975 00 

10,300 00 

6,020 00 
3,400 00 
1,620 00 



19,475 

138,138 

15,730 

6,936 
17,400 
19,000 

6,380 

6,336 
645 

6,450 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



5,000 00 

10,100 00 

15,300 00 

10,000 00 

10,000 00 

10,000 00 

21,250 00 

21,000 00 
24,250 00 
15,150 00 
11,400 00 
10,100 00 
1,040 00 
11,700 00 
16,800 00 
17,400 00 
13,050 00 
15,750 00 
19,200 00 

$520,295 00 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated Oct. 31, 1908. Commenced business Nov. 5, 1908. 
LOUIS K. LIGGETT, President. ARCHIE W. CAMPBELL, Secretary 

Guaranty Capital, $100,000. 

Office, 4-3 Leon Street, Roxbury. 

Income. 

Net premiums, . . . 

Gross interest on bonds, $820.83; bank deposits, $1,511.07, 

Assessment on guaranty capital, ...... 

From all other sources, . . . . . 



Total income, 
Ledger assets, Dec. 31, 1909, 



$66,089 25 

2,331 90 

5,000 00 

26 



$73,421 41 
131,114 26 



Total, 



$204,535 67 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE CO. 



85 



Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Dividends on guaranty capital, 
Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express 
Legal expenses, .... 

Furniture and fixtures, . 

Taxes, ...... 

Gross decrease in book value of bonds, 
Uncollectible premiums, 
All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Bills receivable, ...... 

Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $961.10; other assets, $42.90, 

Gross assets, . . 

Assets not admitted. 

Premiums over three months due, . 
Book value of bonds over market value, . 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, $84.18; less reinsurance, $25, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Due for reinsurance, ..... 

Total, . m 

Guaranty capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$304 03 
291 66 



$100,000 00 
3,233 99 



$30,212 61 

665 76 

20,293 07 

7,000 00 

5,458 59 

280 00 
759 28 
702 48 
100 00 

281 98 
37 61 
69 67 
56 46 

247 54 

$66,165 05 

$138,370 62 



$87,671 66 

99 12 

43,966 85 

170 00 

6,462 99 

$138,370 62 



1,004 00 
$139,374 62 

595 69 

$138,778 93 

$59 18 

34,474 60 

422 12 

589 04 

$35,544 94 

103,233 99 
$138,778 93 



86 



WEST NEWBURY MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Cash Prem's. 

$2,693,159 00 $45,774 82 

4,310,365 00 72,417 88 



$7,003,524 00 

2,653,787 00 

$4,349,737 00 

443,785 00 

$3,905,952 00 



$118,192 70 
45,545 83 

$72,646 87 
7,012 64 

$65,634 23 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, . ... 

Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 48.6 per cent. 



Schedule A. Bonds owned by the Company. 



Conting't Prem's. 

$45,774 82 
72,417 88 

$118,192 70 
45,545 83 

$72,646 87 



State, County and Municipal Bonds. 
Brookline, Mass., 3^s, 1911, tax exempt, 
Clinton, Mass., 4s, 1913, tax exempt, 
Haverhill, Mass., 4s, 1918, tax exempt, 
Massachusetts 3 is, 1950, tax exempt, 
Norfolk Co., Mass., note, 4s, 1911, tax exempt, 
Pittsfield, Mass., 4s, 1911, tax exempt, 
Pittsfield, Mass., 4s, 1912, tax exempt, 
Waltham, Mass., notes, 4s, 1911, tax exempt, 
Winthrop, Mass., 4s, 1911, tax exempt, 
Worcester, Mass., 4s, 1920, tax exempt, 
Worcester, Mass., 4s, 1930, tax exempt, 



Book Value. 
$2,000 00 

2,019 20 

5,154 
10,215 

8,020 

5,021 

1,009 
14,678 

2,007 40 

5,191 50 
32,355 00 



,671 66 



00 
00 
80 
23 
20 
33 



100 
101 
102 
100 
100 
100 
101 
100 
100 
103 
107 



$115,746 23 
35,981 41 
22,442 80 

28,684 36 



Rate. Market Value. 



$2,000 00 

2,020 00 

5,100 00 
10,000 

8,000 

5,000 

1,010 
15,000 

2,000 

5,150 
32,100 



00 
00 
00 
00 
00 
00 
00 
00 



$87,380 00 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

Incorporated March, 1828. Commenced business April, 1828. 
RICHARD NEWELL, President. DANIEL COONEY, Secretary. 

[Note. — This company relies upon assessments on deposit notes to pay losses and expenses.] 

Income. 

Assessments, . . . . . . . . . . $6,360 91 



Policy fees, . . . . . . 

Borrowed money, . . . . 

Total income, ..... 

Ledger assets, Dec. 31,^1909, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, . 



180 00 
3,710 00 



0,250 91 
191 54 



$10,442 45 



$3,909 49 

38 90 

275 53 



$438 25 


17 


00 


43 


40 


33 


68 


7 


65 


5,385 00 


203 


99 


10 


50 


$10,363 39 



WEST NEWBURY MUTUAL FIRE INSURANCE CO. 87 

Salaries, fees, etc., of officers and employees, 

Rents, .......... 

Printing and stationery, ..... 

Postage, telegrams, telephone and express, 

State taxes on assessments, ...... 

Borrowed money repaid, ...... 

Interest on borrowed money, ...... 

All other disbursements, ...... 

Total disbursements, ...... 

Balance, . ' . . . .... $79 06 

Ledger Assets. 

Cash in office, ......... $5 18 

Deposits in trust companies and banks not on interest, . 73 88 

Total ledger assets, $79 06 

Non-Ledger Assets. 

Furniture and safe, . . . . . . . . . 75 00 

Unpaid assessments and policy fees, . . . . .' 402 83 

Gross assets, . . . . ... . . . $556 89 

Assets not admitted. 
Furniture and safe, . . . . . . , . . 75 00 



Admitted assets, . . . $481 89 

Liabilities. 

Interest due or accrued on borrowed money, .... $0 72 

Commissions and other charges due agents and brokers, . . 19 76 

Borrowed money, . . . . . . . . . 500 00 



Total liabilities, $520 48 

Risks and Premiums. 

Risks. Conting't Prem's. 

In force Dec. 31, 1909, . . . . . . $1,631,167 00 $122,281 27 

Written during the year, .... 427,823 00 32,524 68 



Total, $2,058,990 00 $154,805 95 

Expired and terminated, .... 425,372 00 29,767 93 



In force at end of year, $1,633,618 00 $125,038 02 

Miscellaneous. 

Net losses paid since 1879, $84,594 54 

Losses incurred during the year, ...... 3,609 49 

Assessments laid during the year on deposit notes or contingent 

premiums, ......... 7,086 83 



WORCESTER MANUFACTURERS MUTUAL INSURANCE CO. 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

WORCESTER. 

Incorporated March 31, 1855. Commenced business March 31, 1855. 
WALDO E. BUCK, President. CHARLES S. BACON, Secretary. 

Income. 

Net premiums, $824,306 36 

Gross interest on stocks and bonds, $28,453.22; bank deposits, 



!,789.40, 

Total income, . . . ... 

Ledger assets, Dec. 31, 1909, ..... 

Total, . 

Disbursements. 
Net amount paid policy holders for losses, . . 

Dividends to policy holders, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Fire department, patrol and salvage corps fees and taxes, 

Inspections, maps, plans and adjustment of losses, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Premiums of 1910 paid in 1909, 

All other disbursements, 

Total disbursements, .... 

Balance, . ... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 



31,242 62 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, ...... 

Gross assets, 

Assets not admitted. 
Book value of stocks and bonds over market value, 

Admitted assets, ...... 





$855,548 98 
799,071 61 




$1,654,620 59 




$26,770 22 
731,115 97 

12,772 20 




2,000 00 




954 36 




509 55 




38 00 




191 12 




13,901 76 
8,430 38 




56 00 




3,514 81 
331 76 




391 20 




. $800,977 33 




. $853,643 26 


• 


. $750,603 66 
15 46 


. 


83,453 69 


• 


19,570 45 


• 


. $853,643 26 


. 


8,785 42 


• 


. $862,428 68 


. 


15,029 66 




. $847,399 02 



WORCESTER MANUFACTURERS MUTUAL INSURANCE CO. 



89 



Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 

State, county and municipal taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $102,218,770 00 
. 119,083,054 00 



Cash Prem's. 

$754,373 75 
859,316 65 



$221,301,824 00 
110,720,319 00 



$1,613,690 40 
802,167 65 



$2,357 08 

405,761 38 

6,513 43 

$414,631 89 
432,767 13 

$847,399 02 



Conting't Prem's. 

$3,771,868 75 
4,296,583 25 

$8,068,452 00 
4,010,838 25 



$110,581,505 00 $811,522 75 $4,057,613 75 



Miscellaneous. 

Net premiums received from organization of company, . $12,577,582 90 

Net losses paid from organization of company, . . . 1,656,783 47 

Cash dividends paid policy holders from organization of company, 9,941,990 25 

Losses incurred during the year, ...... 28,004 93 

Dividends to policy holders during 1910, 95.302 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
100 shares Connecticut River, . 
52 " Norwich & Worcester, preferred, 
100 " Southern Pacific, 
100 " Union Pacific, preferred, 
Miscellaneous Stocks. 
200 shares Northwestern Telegraph Co., 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Boston & Albanv 3|s, 1951, 
Boston & Albany 4s, 1934, 
Boston & Lowell 3§s, 1923, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4|s, 1944, 
Boston & Maine 4s, 1926, 
Buffalo & Susquehanna 4s, 1951, 
Central of New Jersey 5s, 1987, 
Chesapeake & Ohio 4^s, 1992, . 
Chic, Burlington & Quincy 4s, 1958, 
Chic, Burlington & Quincy 3|s, 1949, 
Chic, Indiana & Southern 4s, 1956, . 
Chic Jet. & Union Stock Yards 5s, 1915, 
Chic, Rock Island & Pacific 4s, 2002, 
Chic, Rock Island & Pacific 1st and ref. 4s 
Concord & Montreal 4s, 1920, . 
Delaware & Hudson 4s, 1943, 
Erie (Pennsylvania col.) 4s, 1951, 
Kansas City Terminal 1st 4s, 1960, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
New London Northern 4s, 1940, 
New York Central equipment 43s, 1923, 
Nor. Pac-Gt. Nor. (C. B. & Q. col.) 4s, 1921, 
Ogdensburg & Lake Champlain 4s, 1948, 





Book Value. 


Rate. 


Market Value. 


$25,000 


00 


265 


$26,500 00 


10,700 


00 


212 


11,024 00 


10,775 


00 


117 


11,700 00 


7,700 


00 


93 


9,300 00 


12,487 


50 


114 


11,400 00 


15,000 


00 


100 


15,000 00 




15,000 


00 


88 


13,200 00 




19,800 


00 


99 


19,800 00 




20,000 


00 


94 


18,800 00 




20,000 


00 


98 


19,600 00 




20,000 


00 


105 


21,000 00 




9,800 


00 


97 


9,700 00 




14,700 


00 


45 


6,750 00 




10,000 


00 


122 


12,200 00 




15,000 


00 


101 


15,150 00 




35,112 


50 


97 


33,950 00 




14,456 


25 


88 


13,200 00 




9,487 


50 


93 


9,300 00 




10,110 


00 


101 


10,100 00 




8,912 


50 


73 


7,300 00 


,' 1934 


9,062 


50 


90 


9,000 00 




45,000 


00 


99 


44,550 00 




19,950 


00 


100 


20,000 00 




9,400 


00 


87 


8,700 00 




14,662 


50 


97 


14,550 00 




20,000 


00 


94 


18,800 00 




8,750 


00 


93 


9,300 00 




24,812 


50 


99 


24,750 00 




19,763 


66 


100 


20,000 00 


21, 


23,531 


25 


96 


24,000 00 




10,000 


00 


84 


8,400 00 



90 



WORCESTER MUTUAL FIRE INSURANCE CO. 



Old Colony 4s, 1924, 

Oregon R. R. & Navigation Co. 4s, 1946, 

Oregon Short Line 5s, 1946, 

Oregon Short Line 4s, 1929, 

Pennsylvania convertible 3|s, 1915, 

Providence & Worcester 4s, 1947, 

Richmond- Washington 4s, 1943, 

Rio Grande Western 4s, 1939, . 

Rutland equipment 4fs, 1912, . 

Southern Pacific convertible 4s, 1929, 

Toronto, Hamilton & Buffalo 4s, 1946, 

Union Pacific 4s, 1947, 

West End Street 4|s, 1914, 

West End Street 4s, 1915, 

Wisconsin Central 4s, 1949, 

Miscellaneous Bonds. 
American Agricultural Chemical Co. 5s, 1928, 
American Telephone & Telegraph Co. 4s, 1929, 
Massachusetts Gas Companies 4|s, 1929, 
New York Telephone Co. 1st 4fs, 1939, 



Book Value. 

$15,000 00 

10,000 00 

5,000 00 
19,475 00 
24,000 00 
50,000 00 
10,000 00 
10,000 
10,000 

9,888 

4,887 

5,000 
10,000 
10,000 00 

9,200 00 



00 
00 
75 
50 
00 
00 



9,950 00 
9,800 00 
9,703 75 
9,725 00 



Rate. 
99 
97 

112 
93 
96 
99 
98 
91 
98 
97 
89 

101 

101 
99 
93 

102 
91 
99 
99 



$750,603 66 



Market Value. 

$14,850 00 

9,700 00 

5,600 00 

18,600 00 

24,000 00 

49,500 00 

9,800 00 

9,100 00 

9,800 00 

9,700 00 

4,450 00 

5,050 00 

10,100 00 

9,900 00 

9,300 00 

10,200 00 
9,100 00 
9,900 00 
9,900 00 

$735,574 00 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, WORCESTER. 

Incorporated Feb. 11, 1823. Commenced business May 1, 1824. 
LEWIS N. GILBERT, President. ROGER F. UPHAM, Secretary. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $10,318.89; collaterals, $22.50; 
bonds, $18,105.55; bank deposits, $1,319.29; gross rents, 
including $1,800 for company's own occupancy, $10,953.21, 

Gross increase in book value of bonds, ..... 

Dividends on reinsurance, ....... 

From all other sources, ......... 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to polic}^ holders, . 

Commissions or brokerage, 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 



$123,118 46 



40,719 44 

500 00 

12 48 

76 15 



$164,426 53 
808,233 24 

$972,659 77 





$31,286 59 
799 37 




63,980 90 




17,849 42 




16,690 22 
1,800 00 




2,122 90 




1,204 88 




72 17 




485 35 




559 55 




528 48 




1,502 80 
2,143 20 




2,633 74 

1,357 47 

135 00 



WORCESTER MUTUAL FIRE INSURANCE CO. 



91 



Gross decrease in book value of bonds, 
All other disbursements, 

Total disbursements, . . 

Balance, . ....>.. 

Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, 
Loans secured by collateral (savings bank book), 
Book value of bonds (schedule A), . 
Cash in office, . . . . 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $2,822.88; bonds, $7,012.01; collateral loans, $2.43; 

other assets, $71.37, ........ 

Rents accrued on company's property, . 

Market value of real estate over book value, .... 

Gross assets, ......... 

Assets not admitted. 
Book value of bonds over market value, . . $21,840 00 

Mortgage loans in excess of appraisal, . . 255 00 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for return premiums, .... 

Total, . m 

Surplus to policy holders, .... 



. 


$237 50 
92 47 


. 


$145,482 01 




$827,177 76 

$100,000 00 

208,600 00 

450 00 

480,000 00 

316 03 

30,491 54 

7,320 19 


# - 


. $827,177 76 



Total liabilities, including surplus, 

Risks and Premiums. 

In force Dec. 31, 1909, . . $40,630,624 00 



Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



9,574,641 00 

$50,205,265 00 
9,877,892 00 

$40,327,373 00 
18,500 00 



Cash Prem's. 

$550,924 59 
130,258 45 

$681,183 04 
135,500 93 

$545,682 11 
234 60 



9,908 69 

756 91 

12,600 00 

$850,443 36 



22,095 00 
$828,348 36 

$1,600 00 

271,795 67 

2,057 67 

872 25 

728 82 

437 00 

$277,491 41 
550,856 95 

$828,348 36 



Conting't Prem's. 

$550,924 59 
130,258 45 

$681,183 04 
135,500 93 

$545,682 11 



$40,308,873 00 $545,447 51 



92 



WORCESTER MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Losses incurred during the year, ...... 

Dividends to policy holders during 1910, 20, 40 and 60 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. 
Massachusetts 3£s, 1945, . 
Massachusetts 3|s, 1934, . 
New York, N. Y., 4*s, 1957, 

Railroad Bonds. 
Bangor & Aroostook consolidated 4s, 1951, 
Boston & Albany 3£s, 1951, 
Boston & Albany 4s, 1913, 
Boston & Albany 4s, 1934-35, . 
Boston Elevated 4£s, 1937, 
Boston Elevated 4s, 1935, 
Boston & Lowell 3|s, 1921, 
Boston & Maine 4§s, 1944, 
Boston & Maine 4s, 1937, 
Boston & Maine 4s, 1926, 
Boston & Worcester 1st 4|s, 1923, 
Cent. Pac. (Through Short Line) 4s, 1954, 
Chicago, Burl. & Quincy (111. Div.) 3$s, 1949, 
Chic, Milwaukee & St. Paul 1st gen. 4s, 1989, 
Chicago, Rock Island & Pacific gen. 4s, 1988, 
Chic, Rock Island & Pacific 1st and ref. 4s, 1934 
Chicago & Western Indiana cons. 4s, 1952, 
Cincinnati, Hamilton & Dayton gen. 5s, 1942, 
Cincinnati, Ind., St. Louis & Chic. 1st 4s, 1936, 
Concord & Montreal 1st 4s, 1920, 
Delaware & Hudson 1st ref. 4s, 1943, 

Fitchburg 4s, 1927, 

111. Cent. (Louisville Div. & Ter.) 1st 3|s, 1953, 

111. Cent. (St. Louis Div. & Terminal) 3£s, 1951, 

Maine Central 4s, 1933, .... 

Maine Central consolidated 4s, 1912, . 

Michigan Central 1st 4s, 1940, . . 

Minn., St. P. & Sauit St. Marie cons. ref. 4s, 1938 

Mohawk & Malone 4s, 1991, 

New York Cent. & Hud. R. 1st 3|s, 1997, . 

New York, N. H. & Hartford deb. 4s, 1947, 

New York, N. H. & Hartford deb. 4s, 1955, 

N. Y., N. H. & Hartford deb. 3|s, 1947, . 

Pere Marquette 1st 4s, 1943, 

St. Paul, Minn. & Manitoba cons. 4§s, 1933, 

Toledo, Walhonding Valley & Ohio 1st 4s, 1942, 

West End St. deb. 4s, 1915, 

West End St. deb. 4Js, 1930, . 

Worcester Consolidated St. 4|s, 1920, 

Worcester, Nashua & Rochester 1st 4s, 1934, 

Worcester, Nashua & Rochester 1st 4s, 1930, 



$29,051 95 



Book Value. 


Rate. 


Market Value. 


$15,000 


00 


94 


$14,100 00 


5,000 


00 


95 


4,750 00 


5,000 


00 


107 


5,350 00 


5,000 


00 


80 


4,000 00 


5,000 


00 


88 


4,400 00 


10,000 


00 


99 


9,900 00 


10,000 


00 


99 


9,900 00 


10,000 


00 


106 


10,600 00 


5,000 


00 


97 


4,850 00 


50,000 


00' 


95 


47,500 00 


5,000 


00 


105 


5,250 00 


10,000 


00 


96 


9,600 00 


10,000 


00 


97 


9,700 00 


5,000 


00 


96 


4,800 00 


5,000 


00 


92 


4,600 00 


15,000 


00 


88 


13,200 00 


10,000 


00 


100 


10,000 00 


10,000 


00 


97 


9,700 00 


32,000 


00 


90 


28,800 00 


10,000 


00 


93 


9,300 00 


12,000 


00 


103 


12,360 00 


20,000 


00 


96 


19,200 00 


20,000 


00 


99 


19,800 00 


5,000 


00 


100 


5,000 00 


25,000 


00 


99 


24,750 00 


13,000 


00 


86 


11,180 00 


13,000 


00 


87 


11,310 00 


7,000 


00 


97 


6,790 00 


3,000 


00 


100 


3,000 00 


5,000 


00 


99 


4,950 00 


10,000 


00 


97 


9,700 00 


9,000 


00 


99 


8,910 00 


6,000 


00 


90 


5,400 00 


10,000 


00 


95 


9,500 00 


20,000 


00 


95 


19,000 00 


10,000 


00 


83 


8,300 00 


5,000 


00 


85 


4,250 00 


5,000 


00 


105 


5,250 00 


20,000 


00 


96 


19,200 00 


6,000 


00 


99 


5,940 00 


10,000 


00 


103 


10,300 00 


5,000 


00 


99 


4,950 00 


4,000 


00 


98 


3,920 00 


5,000 


00 


98 


4,900 00 


$480,000 


00 


$458,160 00 



INDIA MUTUAL INSURANCE CO. 



93 



MASSACHUSETTS MUTUAL FIRE-MARINE INSURANCE 

COMPANY. 



$108,481 


28 


5,969 


78 


1,006 


25 


202 


00 


2,067 


34 


200 


00 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated March 29, 1867. Commenced business May 2, 1867. 

H. B. ALDEN, President. GEO. H. CROWELL, Secretary. 

Guaranty Fund paid up in Notes, $175,000. 

Office, 50 Kilby Street. 

Income. 

Net fire premiums, ....... 

Gross interest on mortgages, $40.50; stocks and bonds, $5,737.50 

bank deposits, $43.65; all other, $148.13, 
Gross profit on sale of bonds, . 
Gross increase in book value of bonds, 
Company's scrip previously charged off, . 
Deposits with fire underwriters' boards, . 



Total income, ..... 

Ledger assets, Dec. 31, 1909, . 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Gross loss on sale of bonds, 

Interest paid subscribers of guaranty fund, 

Interest paid scrip holders, 

All other disbursements, 

Total disbursements, 

Balance, 



$117,926 65 
321,678 96 


$439,605 61 


$69,811 

1,225 

16,429 


66 
52 
33 


9,094 


00 


1,868 


51 


762 


11 


627 


36 


399 


13 


342 


03 


121 


68 


616 


04 


460 


79 


95 


00 


1,437 


36 


160 


00 


202 


00 


1,750 


00 


3,805 
734 


71 

68 


$109,942 91 



$329,662 70 



94 



INDIA MUTUAL INSURANCE CO. 



Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Subscription notes on time not exceeding 12 months, 
Company's scrip owned, .... 

Deposits with fire boards, . . . . 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $2.25; bonds, $137.50, . 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Assets not admitted. 
Company's scrip owned, .... 

Agents' balances over three months due, . 
Deposits with fire boards, .... 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, including $1,234.15 resisted, 

Unearned premiums on outstanding risks, 

Interest due scrip holders, 

Salaries, expenses and accounts, due or accrued, 

Commissions and other charges due agents and brokers, 

State, county and municipal taxes, due or accrued, . 

Due for reinsurance, . . . . . 



not yet due, 



$2,067 34 

7,043 05 

200 00 



Total, . . . 
Surplus to policy holders, 
Guaranty fund, ..... 
Scrip outstanding not ordered to be redeemed, 
Impairment of scrip reserve, . 



$233,679 27 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. 

$11,313,205 00 
9,033,035 00 



$20,346,240 00 
9,801,542 00 

$10,544,698 00 
510,064 00 



$450 00 

116,092 56 

1,160 79 

4,533 08 

30,158 93 

175,000 00 

2,067 34 

200 00 

$329,662 70 



139 75 
12,094 94 

$341,897 39 



9,310 39 

$332,587 00 



$14,937 33 

74,460 10 

1,291 54 

700 00 

5,547 84 

1,052 25 

918 67 

$98,907 73 

175,000 00 

150,471 00 

91,791 73 

Premiums. 

$153,548 66 
130,514 30 

$284,062 96 
133,388 59 

$150,674 37 
5,491 85 



Net amount in force, 



$10,034,634 00 $145,182 52 



Miscellaneous. 



Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 



$4,920,655 00 

3,369,385 00 

174,125 00 

66,331 19 



INDIA MUTUAL INSURANCE CO. 



95 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
25 shares Boston & Albany, 
150 " Boston & Maine, 
150 rights Boston & Maine, 
25 shares Fitehburg, preferred, 
150 " Old Colony, 
200 " Pennsylvania, . 
125 " West End Street, preferred, 
Miscellaneous Stocks. 
70 shares American Tel. & Tel. Co., . 
60 " Pullman Company, . 
Railroad Bonds. 
N. Y., N. H. & Hartford conv. deb. 6s, 1948, 
N. Y., N. H. & Hartford 3£s, 1956, . 



Book Value. 


Rate. 


Market Value. 


$5,716 00 


225 


$5,625 00 


22,803 56 


120 


18,000 00 


— 


2h 


375 00 


2,383 25 


130 


3,250 00 


18,750 00 


191 


28,650 00 


12,916 25 


129 


12,900 00 


9,872 75 


207 


12,937 50 


10,225 00 


143 


10,010 00 


6,232 00 


159 


9,540 00 


5,325 00 


134 


6,700 00 


21,868 75 


101 


20,200 00 


$116,092 56 


$128,187 50 



96 



BOSTON INSURANCE CO. 



MASSACHUSETTS JOINT-STOCK FIRE, MARINE AND 
FIRE-MARINE INSURANCE COMPANIES. 



BOSTON INSURANCE COMPANY, BOSTON. 

Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874. 
Paid-up Capital, $1,000,000. 
RANSOM B. FULLER, President. FREEMAN NICKERSON, Secretary. 

Office, 137 Milk Street. 

Income. 

Net fire premiums, $1,502,849.18; marine, $1,574,216.45, . 
Gross interest on mortgages, $30,701.97; collaterals, $4,854.33; 

stocks and bonds, $202,366.95; bank deposits, $6,700.79; all 

other, $958.48; gross rents, $212, 
Gross profit on sale of stocks, 
Profit from home office agency, 
Agents' balances previously charged off, . 
Southern Oregon Co. stock previously charged off, 
Dividend Naumkeag National Bank, in liquidation, 
Dividend National Bank of Republic, in liquidation, 
Dividend Continental National Bank, in liquidation, 
Dividend National Suffolk Bank, in liquidation, 
From all other sources, ..... 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



$3,077,065 


63 


245,794 


52 


598 


66 


1,420 


25 


384 


40 


309 


00 


1,250 


00 


750 00 


200 


00 


6 


24 


777 


60 



Disbursements. 



Net amount paid policy holders for fire losses, $782,527.36 

marine, $846,582.69, 

Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, . . . . . . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 



53,328,556 30 
5,899,825 70 

£9,228,382 00 



$1,629,110 05 

27,403 99 

300,000 00 

666,268 19 

13,457 87 

61,161 26 

177,362 31 

21,058 24 

22,121 38 

11,128 66 

3,213 74 

2,467 59 

4,196 11 

17,570 42 

16,187 46 

4,278 69 

396 21 

759 50 



BOSTON INSURANCE CO. 



97 



State taxes on premiums, ..... 
Insurance department licenses and fees, . 
Other licenses, fees and taxes, .... 

Agents' balances charged off, ..... 
All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, . . . . 

Notes receivable, ....... 

Deposits with fire boards, ..... 



Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on : — 
Mortgages, $5,731.99; bonds, $19,448.58; collateral loans, $77, 
Market value of stocks and bonds over book value, . 
Due from other companies, ...... 



Gross assets, 



$33,263 01 

10,165 53 

13,961 38 

2,388 82 

20,952 67 

$3,058,873 08 

$6,169,508 92 



$34,000 00 

619,800 00 

53,600 00 

4,467,848 19 

25,272 00 

996 06 

387,986 87 

516,744 11 

61,661 69 

900 00 

700 00 

$6,169,508 92 



25,257 57 

305,305 01 

118 57 

$6,500,190 07 



Assets not admitted. 



Agents' balances over three months due, . 
Bills receivable, past due, taken for premiums, 
Notes receivable, ..... 
Collateral loan disallowed, 
Deposits with fire boards, 



$19,078 13 
3,540 49 

900 00 
3,000 00 

700 00 



Admitted assets, 



Liabilities. 



Unpaid losses, including $43,099.43 resisted, $490,708.76; less 

reinsurance, $87,300.37, 

Unearned premiums on outstanding risks, 
Dividends declared to stockholders, not due, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 

Total liabilities, including surplus, 



27,218 62 
),472,971 45 



$1,000,000 00 
2,983,708 11 



$403,408 39 

1,945,097 71 

50,000 00 

2,858 23 

61,509 01 

26,390 00 

$2,489,263 34 



3,983,708 11 
$6,472,971 45 



BOSTON INSURANCE CO. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks in force Dec. 31, 1909, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$298,123,830 00 
245,188,636 00 



$543,312,466 00 
205,970,144 00 

$337,342,322 00 
72,794,191 00 



Premiums. 

52,871,191 73 
2,462,137 90 

55,333,329 63 
2,067,841 44 

53,265,488 19 
715,364 89 



$264,548,131 00 $2,550,123 30 



$36,124,740 00 
174,855,870 00 



$1,079,902 54 
2,053,503 22 



$210,980,610 00 $3,133,405 76 
171,953,276 00 1,977,064 29 



$39,027,334 00 $1,156,341 47 
1,460,787 00 49,487 79 



$37,566,547 00 $1,106,853 68 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (30 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 



$46,008,297 07 

29,372,691 51 

3,940,000 00 

773,487 68 

927,804 54 

300,000 00 

132,000 00 



70 shares Bangor & Aroostook R.R. Co. 



10 
20 

2,000 

4 

850 



Personal property, 



Aroostook Construction Co. (stock tr. cert.), 
Northern Telegraph Co.,. 
Bangor Investment Co., . 
Union Ins. Co., Bangor, . 
New River Co., preferred, 



Company's 
Market Value. 

$7,000 00 j 

62,000 00 
2,000 00 
2,000 00 
1,000 00 

42,500 00 
3,500 00 

$120,000 00 



Loaned 
Thereon. 



$20,000 00 

600 00 

30,000 00 

3,000 00 



$53,600 00 



Schedule B. Stocks and Bonds owned by the Company. 



500 

2,500 

100 

500 

500 

400 

300 

75 

1,000 

250 

50 

1,700 

1,500 



Railroad Stocks 
shares Boston & Albany, 
" Boston Elevated, 
" Boston & Lowell, 
" Boston & Maine, 
" Canadian Pacific, 
" Chicago, Milwaukee & St. P., com., 
Chicago; Milwaukee & St. Paul, pref 
" Conn. & Passumpsic River, pref., 
" Delaware & Hudson, 
" Fitchburg, preferred, 
" Manchester & Lawrence, 
" New York Central & Hudson River, 
" New York, New Haven & Hartford, 



Book Value. 
$102,501 78 

316,951 79 
16,412 50 
79,972 78 
87,160 00 
45,024 29 
40,085 
10,338 

176,715 
20,808 
12,582 

199,195 

260,905 



63 
25 
62 
38 
50 
93 
69 



Rate. 
225 
129 
224 
120 
195 
123 
146 
140 
165 
130 
220 
113 
151 



Market Value. 

$112,500 00 

322,500 00 

22,400 00 

60,000 00 

97,500 00 

49,200 

43,800 

10,500 

165,000 

32,500 

11,000 

192,100 



00 
00 
00 
00 
00 
00 
00 
226,500 00 



BOSTON INSURANCE CO. 



99 



100 shares Northern Pacific, 

525 " Old Colony, . 
5,000 " Pennsylvania, 

250 " Southern Pacific, 

100 " Union Pacific, 

Bank Stocks. 

500 shares First National, Boston, . 
Equity in 100 shares First Nat., Salem (in liq.), 

100 shares Mercantile National, Salem, 

500 " Merchants National, Boston, . 

100 " Merchants National, Salem, 

100 " Merchants National, Worcester, 
17 " National Grand, Marblehead, . 

200 " National Shawmut, Boston, 

100 " Norfolk Trust Co., Brookline, . 

300 " State National, Boston, . 
Equity in 50 shares Tremont Nat., Boston (in liq 

154 shares Webster & Atlas Nat., Boston, 

Miscellaneous Stocks. 
Atlantic Mutual Insurance Co., scrip., 1906, 
300 shares American Sugar Ref. Co., pref. 



2,500 
1,000 

100 
2,026 

600 
5 



American Telephone & Tel. Co., 
Edison Electric Illuminating Co. 
General Electric Co., 
Old Colony Insurance Co., 
Pullman Company, 
Underwriters' Salvage Co., 



State and Municipal Bonds. 
Boston, Mass., 4s, 1920-21, 
Fall River, Mass., 4s, 1916,. 
Georgia 4£s, 1915, 
Georgia 3*s, 1918, 
Georgia 3|s, 1920, 
Georgia 3|s, 1928, 
Lowell, Mass., notes tax exempt 4fs, 1911, 
Massachusetts tax exempt 3fs, 1928-46, 

Railroad Bonds. 
Albany & Susquehanna 3^s, 1946, 
Atchison, Topeka & Santa Fe gen. 4s, 1995, 
Atchison, Topeka & Santa Fe adjust. 4s, 1995, 
Boston & Albany 4s, 1913, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4s, 1926, 
Chicago, Burlington & Quincy 4s, 1922, 
Fitchburg 4s, 1925, .... 
Fitchburg 4s, 1927, 
Fitchburg 4|s, 1928, 
Illinois Central (Louisville Div.) 3£s, 1953, 
Maine Central notes, 4s, 1914, . 
N. Y. C. & H. R. (Lake Shore col.) 3|s, 1998, 
N. Y., N. H. & H. convertible deb. 6s, 1948, 
N. Y., N. H. & H. convertible deb. 3^s, 1956, 
Old Colony 4s, 1925, .... 

Old Colony 3£s, 1932, .... 
Oregon Short Line 6s, 1922, 
Oregon Short Line convertible 5s, 1946, 
Southern Pacific Co. convertible 4s, 1929, . 
Southern 4s, 1951, ..... 
St. Louis & San Francisco general lien 5s, 1927, 
West End Street 4s, 1915, 
West End Street 4s, 1932, 
West Shore 4s, 2361, 
Wisconsin Central 4s, 1949, 

Miscellaneous Bonds. 
Clyde Steamship Co. 5s, 1931, . 
Eastern Steamship Co. 5s, 1927, 
Mallory Steamship Co. 5s, 1932, 



Book Value. 
$13,812 50 

96,637 51 
318,795 99 

30,668 75 

17,587 50 

122,413 00 

6,793 13 
12,285 37 
87,769 13 

6,822 75 
15,000 00 

2,040 00 
30,000 00 
10,000 00 
39,886 08 

2,556 50 
21,108 50 



220 

38,414 

316,563 

229,420 

15,412 

311,738 

49,211 

500 

204,377 

25,187 

5,700 

1,067 

3,232 

1,102 

25,020 

26,327 



00 
01 
51 
00 
50 
30 
25 
00 

50 
50 
00 
50 
50 
50 
60 
60 



80 
07 
36 
00 
00 



00 
00 
50 
50 



10,164 

39,676 

21,931 

49,625 

50,000 

25,500 00 

48,375 00 

4,000 
51,125 
10,687 
53,312 
23,750 00 
49,687 50 
44,550 00 
41,703 80 
37,500 00 
16,462 50 
32,725 00 
10,000 00 
600 00 

7,654 87 

2,510 22 
22,437 50 
25,000 00 
25,000 00 

5,175 00 
11,718 33 

144,399 12 
50,000 00 
96,250 00 



Rate. 
116 
191 
129 
117 
173 

400 
15 
116 
265 
170 
175 
115 
380 
203 
175 

173 

106 
115 
143 
286 
154 
150 
159 
125 

101 

101 

103 

98 

97 

9") 

100 

100 

94 
100 

92 

99 

97 

98 

97 

99 

99 

99 
104 

86 
100 

80 
134 
101 

99 

92 
115 
112 

97 

87 

87 

99 

96 
101 

93 

95 
99 

85 



Market Value. 

$11,600 00 

100,275 00 

322,500 00 

29,250 00 

17,300 00 



200,000 

1,500 

11,600 

132,500 

8,500 

17,500 

1,955 

76,000 

20,300 

52,500 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



26,642 00 

233 20 

34,500 00 

357,500 00 

286,000 00 

15,400 00 

303,900 00 

95,400 00 

625 00 



202,000 

25,250 

5,150 

980 

2,910 

950 

25,000 

25,000 



00 
00 
00 
00 
00 
00 
00 
00 



9,400 
56,000 
27,600 
49,500 
48,500 
24,500 
48,500 

3,960 
49,500 

9,900 
52,000 
21,500 
50,000 
40,000 
55,878 
37,875 
14,850 
32,200 
11,500 
560 

7,760 

1,740 
21,750 00 
24,750 00 
24,000 00 

5,050 00 
11,160 00 

142,500 00 
49,500 00 
85,000 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



t,467,848 19 



,773,153 20 



100 



MASSACHUSETTS FIRE AND MARINE INSURANCE CO. 



MASSACHUSETTS FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

Incorporated March 3, 1910. Commenced business June 18, 1910. 

Cash Capital, $500,000. 

EVERETT C. BENTON, President. WALTER ADLARD, Secretary. 

Home Office, 95 Water Street. 

Income. 

Net fire premiums, $148,130 10 

Gross interest on stocks and bonds, $9,201.04; bank deposits, 



,330.33; all other, $0.77, 
Premium on sale of capital stock, 
From all other sources, . 

Total income, 
Capital paid in at time of organization, 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, 

Expenses of adjustment and settlement of losses, 

Commissions or brokerage, 

Agency expenses, . 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, . 
Maps, including corrections, 
Inspections and surveys, 
Repairs and expenses on real estate leased, 
Insurance department licenses and fees, 
Other licenses, fees and taxes, 
Organization expenses, . 
All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 

Book value of stocks and bonds (schedule A), 
Cash in office, ..... 

Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Deposit with Philadelphia Fire Underwriters' Association, 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Bonds, $6,035.05; other assets, $154.86, . 
Market value of stocks and bonds over book value, . 

Gross assets, ........ 



12,532 14 

500,000 00 

350 00 



$661,012 24 
500,000 00 

$1,161,012 24 



$7,812 50 

74 09 

34,561 94 

745 80 

5,993 81 

13,219 65 

2,011 10 

9,047 00 

1,249 41 

3,219 58 

8,117 10 

450 99 

4,712 06 

1,849 33 

184 40 

9,000 00 

824 14 

$103,072 90 

1,057,939 34 



$843,114 24 

144 79 

162,574 39 

52,005 92 

100 00 

$1,057,939 34 



6,189 91 

23,287 76 

$1,087,417 01 



MASSACHUSETTS FIRE AND MARINE INSURANCE CO. 



101 



Assets not admitted. 
Deposit with Philadelphia Fire Underwriters' Association, 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, $8,957.58; less reinsurance, $421.88, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



$100 00 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



Total liabilities, including surplus, 

Risks and Premiums. 



$500,000 
457,021 



00 
12 



$1,087,317 01 



$8,535 70 

119,057 98 

952 21 

1,750 00 

$130,295 89 



957,021 12 



Fire risks written during the year, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$18,706,559 
1,998,282 



. $1,087,317 01 



Premiums, 

00 $176,635 08 
00 16,712 20 



$16,708,277 
1,585,246 



00 $159,922 88 
00 14,259 51 



$15,123,031 00 $145,663 37 



Miscellaneous. 

Net premiums received from organization of company, 
Net losses paid from organization of company, 
Fire losses incurred during the year, 
*>Par value of company's stock owned by directors, 



$148,130 10 

7,812 50 
16,348 20 
69,200 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks 
200 shares Boston & Albany, 
50 " Connecticut River, 
62 " Old Colony, , 
600 " West End Street, 

Bank Stocks. 
100 shares First National, Boston, 

Miscellaneous Stocks. 
100 shares American Telephone & Telegraph Co., 
100 " New England Tel. & Tel. Co., 

5 Underwriters Salvage Co., New York. 

State and Municipal Bonds. 
Boston, Mass., tax exempt 3fs, 1939-49, 
Greenfield, Mass., Fire Dist., tax ex., 4s, 1911-12, 
Greenfield, Mass., Fire Dist., tax ex. 4s, 1913-17, 
Greenfield, Mass., Fire Dist., tax ex. 4s, 1918-23, 
Greenfield, Mass., Fire Dist., tax ex. 4s, 1924-30, 
Holyoke, Mass., tax exempt 4s, 1933-35, 
Lowell, Mass., tax exempt 4s, 1911, . 
Lowell, Mass., tax exempt 4s, 1912-15, 
Lowell, Mass., tax exempt 4s, 1916, . 
Massachusetts tax exempt 3|s, 1922-48, 
Massachusetts tax exempt 3s, 1949, . 
Massachusetts tax exempt 3?, 1936, 
Melrose, Mass., note, 4s, 1911, . > . 
Methuen, Mass., tax exempt 4s, 1924-30, 
New Bedford, Mass., tax exempt 4s, 1924, 



Book Value. 

$44,595 00 
13,500 00 
11,594 99 
50,017 64 

40,000 00 

13,362 50 

13,000 00 

950 00 

190,500 00 
6,195 00 

15,487 

18,585 

21,682 

17,671 

11,825 

28,619 92 

9,928 38 

151,628 00 

34,200 00 
3,520 00 

20,000 -00 

20,559 80 

12,324 00 



50 
00 
50 
10 
96 



Rate. 
225 
265 
191 

182 

400 

143 
139 
125 

100 
100 
101 
102 
103 
106 
100 
101 
102 
100 
89 
92 
100 
103 
105 



Market Value. 

$45,000 00 

13,250 00 

11,842 00 

54,600 00 

40,000 00 

14,300 00 

13,900 00 

625 00 



200,000 

6,000 

15,150 

18,360 

21,630 

18,020 

11,800 

28,684 

9,996 

156,000 

35,600 

3,680 

20,000 

20,600 

12,600 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



102 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



New Bedford, M 
North Attleboro, 
North Attleboro, 
Way land, Mass., 
Wayland, Mass., 
Wayland, Mass., 
Wayland, Mass., 
Wayland, Mass., 
Wayland, Mass., 
Wayland, Mass., 
Wayland, Mass., 
Winthrop, Mass. 



ass., tax exempt 4s, 1925-27, 
Mass., tax exempt 4s, 1937, 
Mass., tax exempt 4s, 1939, 
tax exempt 4s, 1911, 
tax exempt 4s, 1912-13, 
tax exempt 4s, 1914-16, 
tax exempt 4s, 1917-18, 
tax exempt 4p, 1919-21, 
tax exempt 4s, 1922-24, 
tax exempt 4s, 1925-27, 
tax exempt 4s, 1928-30, 
note, 4.15s, 1911, . 



Book Value. 


Rate. 


Market Value. 


$30,897 40 


106 


$31,800 00 


8,304 00 


106 


8,480 00 


8,316 80 


107 


8,560 00 


1,550 93 


100 


1,500 00 


2,584 88 


101 


2,525 00 


4,652 79 


102 


4,590 00 


3,101 84 


103 


3,090 00 


',652 76 


104 


4,680 00 


3,101 85 


105 


3,150 00 


3,101 85 


106 


3,180 00 


3,101 85 


107 


3,210 00 


20,000 00 


100 


20,000 00 


$843,114 24 


$866,402 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, BOSTON. 

Incorporated Feb. 11, 1823. Commenced business May, 1823. 
Paid-up Capital, $200,000. 
EDWARD T. CAMPBELL, President. JAMES SIMPSON, Secretary. 

Office, 47 Kilby Street. 

Income. 

Net fire premiums, $309,394 51 

Gross interest on mortgages, $2,800.24; stocks and bonds, 

$11,047.72; bank deposits, $500.15, , . . . .. 14,348 11 

Profits from general agency, ....... 27,969 47 



Total income, ...... 

Ledger assets, Dec. 31, 1909, ..... 

Total, . . . . . . 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 
Other licenses, fees and taxes, . . . 

All other disbursements, . 

Total disbursements, ..... 

Balance, . . . .. 





$351,712 09 




436,893 56 


$788,605 65 


. $151,754 20 




2,404 72 




69,854 72 




1,056 65 




10,764 80 




33,967 26 




6,156 41 




4,170 88 




4,030 66 




48 93 




1,028 83 




1,176 51 




1,907 27 




1,385 89 




2,012 58 




4,448 87 




2,675 76 




1,116 22 




1,494 05 




$301,455 21 


, $487,150 44 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



103 



Ledger Assets. 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $552.80; bonds, $4,120.78, . 
Market value of stocks and bonds over book value, . 
Due from general agency, ....... 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, ..... 

Admitted assets, . . . . . . 

Liabilities. 

Unpaid losses, including $12,155.88 resisted, $56,518.42; less 

reinsurance, $24,774.68, . 

Unearned premiums on outstanding risks, . 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, $200,000 00 

Surplus over all liabilities, .... 84,429 42 
Surplus to policy holders, .... 

Total liabilities, including surplus, . . 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1909, . . . $55,956,834 00 $698,648 82 



$67,800 00 

335,018 25 

1,982 40 

29,771 20 

52,578 59 

$487,150 44 



4,673 58 
4,361 75 
1,975 58 

$498,161 35 



588 34 
$497,573 01 

$31,743 74 

175,665 86 

1,074 32 

4,659 67 

$213,143 59 

284,429 42 
$497,573 01 



Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



38,566,016 00 521,542 47 



$94,522,850 00 $1,220,191 29 
36,956,587 00 511,671 24 



$57,566,263 00 $708,520 05 
33,237,330 00 389,122 01 



$24,328,933 00 $319,398 04 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 



$14,679,309 00 

9,496,464 00 

2,456,720 00 

100,000 00 

156,637 86 

17,500 00 



104 



OLD COLONY INSURANCE CO. 



Schedule A. Stocks and Bonds owned by the Company. 



Bank Stocks. 
120 shares Union National, Boston, 

State and Municipal Bonds. 
Boston, Mass, 4s, 1917, 
Boston, Mass., tax exempt 3|s, 1949, 
Brookline, Mass., tax exempt 3Js, 1928, 
Cambridge, Mass., 4s, 1912, 
Cambridge, Mass., 4s, 1930, 
Everett, Mass., 4s, 1917, . 
Massachusetts 3|s, 1950, . 
Massachusetts tax exempt 3^s, 1946-49, 
New Bedford, Mass., 4s, 1915, 
New York, N. Y., 4±s, 1957, 
Worcester, Mass., 3Js, 1929, 

Railroad Bonds. 
Atch., Topeka & Santa Fe gen. 4s, 1995, 
Boston & Albany 4s, 1913, 
Boston Elevated 4$s, 1937, 
Boston & Lowell 4s, 1913, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 1st 4s, 1955, 
Boston Terminal 3fs, 1947, 
Chicago & No. Western gen. 3|s, 1987, 
Cleveland Terminal & Valley 1st 4s, 1995, 
Concord & Montreal 1st cons. 4s, 1920, 
Delaware & Hudson 4s, 1943, 
Lake Shore & Michigan Southern 4s, 1928, 
New York Central 4s, 1934, 
New York Central 3 hs, 1997, . 
N. Y., N. H. & Hartford 3|s, 1947, . 
Oregon Ry. and Nav. Co. 4s, 1946, . 

Miscellaneous Bonds. 
Am. Telephone and Tel. Co. 4s, 1929, 



Book Value. 
$12,000 00 



00 
75 
00 
00 
00 
50 
00 



5,030 
15,693 
10,169 

5,000 
15,312 

5,163 
15,075 
37,043 75 

5,025 00 

5,300 00 
10,225 00 

9,337 50 

10,000 00 

15,192 50 

5,000 00 

9,650 00 

5,075 00 

41,700 00 

7,450 00 

4,775 00 

10,050 00 

10,200 00 

4,900 00 

7,052 50 

12,975 00 

17,323 75 

9,800 00 

13,500 00 
$335,018 25 



Rate. 
200 

101 
100 
100 
100 
107 
101 
100 
100 
101 
107 
98 

100 
99 

106 

100 
97 

100 
99 
88 
95 
99 

100 
94 
94 
90 
83 
97 

91 



Market Value. 
$24,000 00 

5,050 00 
15,000 00 
10,000 00 

5,000 00 
16,050 00 

5,050 00 
15,000 
35,000 

5,050 

5,350 

9,800 



00 
00 
00 
00 
00 



10,000 00 
9,900 00 

15,900 00 
5,000 00 
9,700 00 
5,000 00 

39,600 00 
7,040 00 
4,750 00 
9,900 00 

10.000 00 
4,700 00 
6,580 00 

13,500 00 

14,110 00 
9,700 00 

13,650 00 
$339,380 00 



OLD COLONY INSURANCE COMPANY, BOSTON. 

Incorporated June 2, 1906. Commenced business June 7, 1906. 

Paid-up Capital, $400,000. 

RANSOM B. FULLER, President. CHARLES D. HODGES, Secretory. 

Office, 137 Milk Street 

Income. 

Net fire premiums, $451,923.71; marine, $61,911.62, . . . $513,835 33 
Gross interest on mortgages, $3,332.38; stocks and bonds, 

$28,721.50; bank deposits, $626.60; all other, $43.95; gross 

rents, $13, . . . 

Sale of rights, . . . . . . . 



Total income, ........ 

Ledger assets, Dec. 31, 1909, . 

Total, i 

Disbursements. 
Net amount paid policy holders for fire losses, $313,116.30; marine, 

$19,416.35, ." 

Expenses of adjustment and settlement of losses, 
Dividends to stockholders, . . . . 

Commissions or brokerage, ....... 

Agency expenses, ......... 

Expenses of special and general agents, ..... 



32,737 43 

7 65 

$546,580 41 
862,240 24 

1,408,820 65 



2,532 65 
6,306 84 
8,000 00 
123,599 85 
4,283 56 
11,005 49 



OLD COLONY INSURANCE CO. 



105 



Salaries, fees, etc., of officers and employees, . . . 
Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, . . . . 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Agents' balances charged off, . 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Deposits with fire boards, .... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 

Mortgages, $60; bonds, $3,075, 

Market value of stocks and bonds over book value, . 

Gross assets, . . . . 

Assets not admitted. 

Agents' balances over three months due, . . . $632 59 
Book value of real estate over market value, . . 389 53 
Deposits with fire boards, ..... 200 00 



$19,329 72 

500 04 

3,612 60 

719 30 

298 97 

68 34 

3,291 41 

5,153 23 

3,303 55 

6,512 27 

4,802 54 

1,639 80 

201 84 

767 45 

$535,929 45 

$872,891 20 

$1,289 53 

53,000 00 

716,332 51 

1,096 18 

32,852 10 

68,120 88 

200 00 

$872,891 20 



3,135 00 
461 49 

$876,487 69 



1,222 12 



Admitted assets, 



Liabilities. 



Unpaid losses, including $3,226.49 resisted, $64,998.12; less 

reinsurance, $17,009.96, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, . 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ...... 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$400,000 00 
81,928 45 



$875,265 57 



$47,988 16 

336,091 64 

177 43 

5,814 30 

2,970 92 

294 67 

$393,337 12 



481,928 45 

$875,265 57 



106 



OLD COLONY INSURANCE CO. 



Risks and Premiums. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . - r 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks in force Dec. 31, 1909, 
Marine risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

,446,127 00 $804,599 28 
67,694,551 00 787,600 02 



$136,140,678 00 $1,592,199 30 
62,895,701 00 761,800 81 



$73,244,977 00 $830,398 49 
17,168,947 00 215,118 68 



$56,076,030 00 $615,279 81 



$559,186 00 
4,887,272 00 

$5,446,458 00 
2,573,816 00 

$2,872,642 00 
1,150,706 00 



$14,855 16 
113,561 53 

$128,416 69 
51,479 56 

$76,937 13 
28,206 38 



,721,936 00 $48,730 75 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (2 per cent.), 

Par value of company's stock owned by directors, 



,831,546 51 
908,755 66 

48,000 00 
306,971 30 

21,782 65 
8,000 00 

40,200 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
300 shares Boston Elevated, 
200 " Boston & Maine, - . 
100 " Delaware & Hudson, 
300 " N. Y., N. H. & Hartford, 
100 " Old Colony, . 
500 " Pennsylvania, . 

Bank Stocks. 
100 shares Merchants National, Worcester, 

Miscellaneous Stocks. 
550 shares American Tel. & Tel. Co., . 
164 " Edison Electric Illuminating Co., 
110 " New England Tel. & Tel. Co., . 

Municipal Bonds. 
Boston, Mass., 3|s, 1925, .... 
Boston, Mass., 3|s, 1929, tax exempt, 
Springfield, Mass., 6s, 1934-35, tax exempt, 

Railroad Bonds. 
New York, New Haven & Hartford 4s, 1956, 



Book Value. 
$38,173 75 
30,390 50 
15,850 00 
47,012 50 
18,375 00 
29,956 25 

15,800 00 



71,387 
36,609 
14,450 

99,250 

206,250 

42.077 



56 
25 
00 

00 
00 
70 



50,750 00 



Rate. 
129 
120 
165 
151 
191 
129 

175 

143 

286 
139 

96 

100 

99 

94 



Market Value. 
$38,700 00 
24,000 00 
16,500 00 
45,300 00 
19,100 00 
32,250 00 

17,500 00 

78,650 00 
46,904 00 
15,290 00 



96,000 

200,000 

39,600 



00 
00 
00 



47,000 00 



$716,332 51 



$716,794 00 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



107 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

Incorporated 1849. Commenced business 1851. 

Paid-up Capital, $2,000,000. 

A. W. DAMON, President. W. J. MACKAY, Secretary. 

Office, 195 State Street. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $37,565.91 ; collaterals, $300; stocks 

and bonds, $301,530.65; bank deposits, $7,286.91; gross rents, 

for company's own occupancy, $15,000, 
Gross profit on sale of bonds, ..... 
Increase in Munich Reinsurance Fund, 
Dividend National Bank of Republic, in liquidation, 
Agents' balances previously charged off, . 

Total income, ...... 

Ledger assets, Dec. 31, 1909, ..... 



$5,243,334 31 



361,683 47 

2,739 00 

2,211 65 

1,500 00 

604 46 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $15,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, . 

Furniture and fixtures, . . . 

Maps, including corrections, . . . . . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Interest on Munich Reinsurance Fund, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, 





$5,612,072 89 


. 


8,923,577 36 


$14,535,650 25 


. $2,863,911 36 




30,497 37 




200,000 00 




1,023,621 05 




37.284 39 




273,357 79 




285,480 51 




31.900 08 




84,175 00 




23,684 40 




9,746 44 




6,956 61 




15,361 67 




53,141 72 




34,912 53 




34,995 39 




3.277 64 




4,447 70 




90,812 50 




22,147 29 




52,596 64 




9,142 07 




2,380 72 




10,117 66 




$5,203,948 53 



$9,331,701 72 



108 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Ledger Assets. 
Book value of real estate, . . 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on * — 
Mortgages, $29,284.10; bonds, $28,392.03; collateral loans, $150, 
Market value of stocks and bonds over book value, . 



Gross assets, ........ 

Assets not admitted. 

Agents' balances over three months due, . . $11,982 22 

Special deposits less $99,085.05 liability thereon, 72,214 95 



$300,000 00 

1,317,820 00 

6,000 00 

6,342,852 77 

377 11 

368,228 29 

106,679 64 

889,743 91 

59,331,701 72 



57,826 13 
590,597 23 

$9,980,125 08 



Admitted assets, . . . . . 

Liabilities. 

Unpaid losses, including $38,250.55 resisted, $562,062.40; less 

reinsurance, $105,992.20, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Munich Reinsurance Fund, .... 
Interest accrued on Munich Reinsurance Fund, 



84,197 17 
$9,895,927 91 



Total, 

Cash capital, . . . 

Surplus over all liabilities, 

Surplus to policy holders, ... 

Total liabilities, including surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$456,070 20 

4,575,478 94 

7,713 32 

50,000 00 

231,960 04 

4,639 20 

55,325,861 70 

4,570,066 21 
59,895,927 91 

Risks. Premiums. 

$798,452,439 00 $9,341,267 85 
589,093,632 00 7,094,456 92 



$2,000,000 00 
2,570,066 21 



$1,387,546,071 00 $16,435,724 77 
540,249,089 00 6,654,190 87 



$847,296,982 00 $9,781,533 90 
83,442,839 00 1,002,576 48 



$763,854,143 00 $8,778,957 42 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



109 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



$86,895,130 25 

49,627,257 76 

5,954,542 00 

1,500,000 00 

2,938,069 01 

200,000 00 

125,700 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 

. $2,850 00 
4,950 00 



30 shares Eastern Oil Co., Olean, N. Y. 
22 " Boston & Albany Railroad, 



$7,800 00 



Loaned 
Thereon. 

$2,000 00 
4,000 00 

$6,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 

500 shares Atch., Topeka & Santa Fe, com. 

500 " Atch., Topeka & Sante Fe, pref., 

1,000 " Baltimore & Ohio, . 

600 " Canadian Pacific, . 

1,000 " Chic, Milwaukee & St. Paul, com., 

2,000 " Chicago, Mil. & St. Paul, pref., 

1,250 " Chicago & Northwestern, 

400 " Connecticut River, 

1,000 " Great Northern, preferred, 

1,050 " Holyoke Street, 

1,150 " Illinois Central, 

1,500 " Manhattan, .... 

500 " New York, New Haven & Hart., 

1,500 " N.Y..N.H.&H. (new stk., full pd.), 

1,000 " Northern Pacific, . 

6,000 " Pennsylvania, 

1,000 " Southern Pacific, . 

500 " Southern, preferred, 

1,000 " Union Pacific, 

Bank Stocks. 

150 shares Boylston National, Boston, 

250 " Chapin National, Springfield, . 

300 " Chicopee National, Springfield, 

300 " City National, Holyoke, 

100 " Eliot National, Boston, . 

750 " First National, Boston, . 

99 " First National, Northampton, 

350 " Fourth National, New York, . 

100 " Holyoke National, . 

150 " Merchants National, Boston, . 

500 " Merchants National, Worcester, 

25 " Monson National, . 

400 " Nat. Bank of Commerce, Boston, 

300 " Nat. Bank of Commerce, N. Y., 

600 " National Shawmut, Boston, 

122 " Northampton National, . 

100 " Old Boston National, Boston, . 

120 " Old Colony Trust Co., Boston, 

500 " Second National, Boston, 

200 " Springfield National, 

460 " Third National, Springfield, . 

100 " Webster & Atlas National, Boston, 

Miscellaneous Stocks. 

500 shares American Express Company, . 

500 " American Tel. & Tel. Co., 

100 " Chicopee Gas Light Co., 

435 " Fitchburg Gas & Electric Light Co., 

100 " Holyoke Water Power Company, 

180 " Maiden Electric Company, 



83 
00 
50 



Book Value. 
$49,486 9. 

49,330 
104,375 
105,287 
115,378 31 
247,171 88 
162,575 00 

98,800 00 
122,050 00 
157,078 75 
133,806 28 
232,262 50 
100,000 00 
187,500 00 
135,955 50 
356,879 14 

99,712 35 

47,200 00 
114,254 40 

21,238 00 
31,302 50 
41,694 00 
33,328 75 
10,496 75 

232,900 00 
14,041 50 
53,918 25 
15,800 00 
20,083 00 
81,275 00 
4,406 00 
60,262 13 
48,380 

147,877 
22,912 
12,216 
80,000 00 

107,945 00 
39,070 00 
80,642 50 
13,056 00 



13 
00 
00 

25 



101,487 
63,750 
11,000 
52,655 
30,555 
37,875 



50 
00 
00 
00 
00 
00 



Rate. 
101 
103 
105 
195 
123 
146 
145 
265 
123 
185 
132 
141 
151 
148 
116 
129 
117 
62 
173 

108 
103 
168 
108 
225 
400 
130 
196 
185 
265 
175 
120 
175 
194 
380 
200 
126 
700 
266 
200 
223 
173 

233 
143 
100 
260 

388 
225 



Market Value. 
$50,500 00 

51,500 00 
105,000 00 
117,000 00 
123,000 00 
292,000 00 
181,250 
106,000 
123,000 
194,250 
151,800 00 
211,500 00 

75,500 00 
222,000 00 
116,000 00 
387,000 
117,000 

31,000 
173,000 



00 
00 
00 
00 



00 
00 
00 
00 



16,200 00 
25,750 00 
50,400 00 
32,400 00 
22,500 00 

300,000 00 
12,870 00 
68,600 00 
18,500 00 
39,750 00 
87,500 00 
3,000 00 
70,000 00 
58,200 00 

228,000 00 
24,400 00 
12,600 00 
84,000 00 

133,000 00 
40,000 00 

102,580 00 
17,300 00 

116,500 00 
71,500 00 
10,000 00 
56,550 00 
38,800 00 
40,500 00 



110 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



700 shares Maiden & Melrose Gas Light Co., 
1,000 " Mass. Gas Companies, preferred, 
1,050 " N. E. In. & Sec. Co., pref., Springfield 
900 " Pullman Company, 
600 " Salem Electric Lighting Co., 
300 " Springfield Gas Light Company, 
100 " Suburban Gas & Elec. Co., Revere, 
10 " Underwriters Salvage Co., Chicago, 
10 " Underwriters Salvage Co., N. Y., 
200 " United Elec. Lt. Co., Springfield, 
State, County and Municipal Bonds. 
Georgia 4fs, 1915, ..... 
Mont,, Can., Prot. Bd. of Sch. Com'rs4s, 1938-48 
New York, N. Y., 4Js, 1957, 
Nova Scotia, Can., 4^s, 1915, 
Port of Portland, Oregon, 4s, 1933, . 
Richmond, Virginia, 4s, 1938, 
Valencia County, New Mexico, 5s, 1932, 
Westmount, Canada, 4|s, 1947, 
Winnipeg, Manitoba, 4s, 1925, . 
Winnipeg, Manitoba, 4s, 1934, . 

Railroad Bonds. 
N. Y., N. H. & Hartford conv. deb. 3*s, 1956, 
N. Y., N. H. & Hartford conv. deb. 6s, 1948, 
Peoria Railway First and Refunding 5s, 1925, 
Southern Pacific conv. 4s, 1929, . 

Miscellaneous Bonds. 
American Writing Paper Co., Holyoke, 5s, 1919, 
Cal. Gas & El. Corp. Unif. & Ref. S. F. 5s, 1937, 
Central Union Telephone Co. 5s, 1919, 
Western United Gas & Elec. Co., 5s, 1940-42, 
Western United Gas & Elec. Co. 5s, 1944, . 



Book Value. 


Rate. 


Market Value. 


. $112,848 


50 


172 


$120,400 00 


86,000 


00 


95 


95,000 00 


I, 101,412 


50 


92 


96,600 00 


66,160 


35 


159 


143,100 00 


84,742 


23 


275 


82,500 00 


71,076 


43 


270 


81,000 00 


24,425 


00 


215 


21,500 00 


1,000 


00 


100 


1,000 00 


1,000 


00 


125 


1,250 00 


54,098 


00 


265 


53,000 00 


11,425 


00 


103 


10,300 00 


8, 48,421 


25 


98 


49,000 00 


102, £75 


00 


107 


107,000 Oo 


25,375 


00 


102 


25,500 Oo 


50,000 


00 


98 


49,000 00 


53,375 


00 


97 


48,500 00 


10,550 


00 


103 


10,300 00 


35,262 


50 


107 


37,450 00 


53,380 


50 


99 


54,450 00 


4,793 


75 


98 


4,900 00 


685,433 


87 


101 


606,000 00 


150,000 


00 


134 


201,000 00 


96,000 


00 


96 


96,000 00 


48,345 


37 


97 


48,500 00 


81,331 


57 


90 


90,000 00 


95,500 


00 


93 


93,000 00 


49,750 


00 


98- 


49,000 00 


34,300 


00 


97 


33,950 00 


14,700 


00 


97 


14,550 00 


$6,342,852 


77 


$6,933,450 00 



ADIRONDACK FIRE INSURANCE CO. 



Ill 



FIRE, MARINE AND FIRE-MARINE INSURANCE COMPANIES 

OF OTHER STATES. 



ADIRONDACK FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April 13, 1906. Commenced business May 1, 1906. 

Paid-up Capital, $200,000. 

G. A. MITCHELL, President. R. H. McKELVEY, Secretary. 

Home Office, 84 William Street. 

Income. 
Net fire premiums, ....... 

Gross interest on bonds, $13,916.41; bank deposits, $1,869.06, 
Gross profit on sale of bonds, ...... 

Gross increase in book value of bonds, . . . . 

Agents' balances previously charged off, .... 

Total income, ....... 

Ledger assets, Dec. 31, 1909, ...... 

Total, . 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ...... 

Commissions or brokerage, . . . . . 

Salaries, fees, etc., of officers and employees, 

Rents, .......... 

Printing and stationery, . . 

Legal expenses, ........ 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, . 

State taxes on premiums, ...... 

Insurance department licenses and fees, .... 

Gross decrease in book value of bonds, .... 

Agents' balances charged off, ...... 

Excess of original premiums over amount received for reinsurance 
All other disbursements, . . .... 

Total disbursements, . . . . 

Balance, . . . . . . • . 

Ledger Assets. 
Book value of bonds (schedule A), . 
Deposits in trust companies and banks on interest, . 
Agents' balances, 



Total ledger assets, 



. $333,211 99 

15,785 47 

211 52 


221 


28 


393 


06 


. $349,823 32 
457,844 42 


. $807,667 74 


. $217,419 


02 


2,815 


76 


10,000 


00 


87,597 


76 


6,794 35 
575 16 


57 24 


2,544 


67 


608 


51 


844 05 


4,294 48 


2,428 


94 


296 


88 


216 


09 


4,553 

997 


78 
87 


. $342,044 56 


. $465,623 


18 


. $315,889 75 
82,595 77 
67,137 66 


. $465,623 


18 



112 



ADIRONDACK FIRE INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on bonds, .... 

Gross assets, . 

Assets not admitted. 

Agents' balances over three months due, . 
Book value of bonds over market value, . 



$3,656 76 
18,289 75 



Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $12,316.74 resisted, $34,405.23; less 

reinsurance, $5,665.35, ..... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 



$2,966 67 

$468,589 85 



21,946 51 
$446,643 34 



$28,739 88 

180,414 48 

250 00 

15,870 22 

3,600 00 



$200,000 00 

17,768 76 



Total, 

Cash capital, ...... 

Surplus over all liabilities, . . 
Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1909, . . . $20,905,134 00 $339,724 63 



,874 58 

217,768 76 
$446,643 34 



Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



33,323,413 00 509,297 61 



$54,228,547 00 $849,022 24 
26,328,444 00 428,368 72 



57,900,103 00 $420,653 52 
4,331,766 00 68,928 47 



$23,568,337 00 $351,725 05 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (5 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company. 

Municipal Bonds. Book Value. Rate. 

New York, N. Y., 4s, 1955-56, . . . . $234,893 50 99 

Savannah, Ga., 4fs, 1959, . . . . 10,804 00 108 

Railroad Bonds. 
International Traction Co. 4s, 1949, . . . 20,581 36 65 

Miscellaneous Bonds. 
Lackawanna Steel Co. 5s, 1923, . . . 25,705 89 96 

Lackawanna Steel Co. 5s, 1950, . . . 23,905 00 85 



$315,889 75 



$1,214,312 96 

667,917 93 

30,000 00 

232,779 22 

10,000 00 

134,700 00 



Market Value. 

$222,750 00 

10,800 00 

16,250 00 

24,000 00 
23,800 00 

$297,600 00 



JETNA INSURANCE CO. 



113 



.ETNA INSURANCE COMPANY, HARTFORD, CONN. 

Incorporated June, 1819. Commenced business Aug. 17, 1819. 

Paid-up Capital, $5,000,000. 

WM. B. CLARK, President. HENRY E. REES, Secretary 

Home Office, 670 Main Street. 

Income. 

Net fire premiums, $7,651,844.37, marine, $676,000.26, 

Deposit premiums on perpetual risks, ..... 

Gross interest on stocks and bonds, $728,624.57; bank deposits, 

$30,821.34; all other, $81.20; gross rents, for company's own 

occupancy, $25,000, ...... 

Gross profit on sale or maturity of stocks and bonds, 
Agents' balances previously charged off, . 
Conscience money, ...... 

Premium on increase in capital, .... 



,327,844 63 
5,212 00 



784,527 11 

7,444 71 

6 95 

904 00 

1,000,000 00 



Total income, 
Ledger assets, Dec. 31, 1909, plus 



,000,000 increase in capital, 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, $3,570,117.70 

marine, $386,630.88, 

Expenses of adjustment and settlement of losses, 
Deposit premiums returned, ..... 

Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $25,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale or maturity of stocks and bonds, . 

Agents' balances charged off, ..... 

Decrease in Munich Reinsurance fund, 
Interest on Munich Reinsurance fund, 
All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 



$10,125,939 40 


17,194,979 28 


$27,320,918 68 


.' $3,956,748 58 


42,313 60 


2,896 28 


749,864 30 


. 1,567,018 77 


291,401 15 


355,695 23 


47,459 47 


83,289 35 


64,881 60 


10,980 59 


8,881 81 


14,146 79 


89,331 05 


14,003 50 


40,519 18 


2,994 71 


10,666 50 


117,787 28 


25,360 20 


187.385 07 


4l',663 98 


2,047 66 


98,297 94 


21,759 65 


31,223 12 


. $7,878,617 36 



$19,442,301 32 



114 



MTNA INSURANCE CO. 



Ledger Assets. 
Book value of real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $90,825.56; other assets, $375, 
Market value of stocks and bonds over book value, . 

Gross assets * ...... 



$588,207 93 

15,852,049 66 

4,561 13 

33,975 82 

1,566,923 42 

1,396,583 36 

$19,442,301 32 



91,200 56 
. 1,663,406 14 

$21,196,908 02 



Assets not admitted. 

Agents' balances over three months due, . . $2,924 57 

Book value of real estate over market value, . 213,207 93 

Accrued interest in default, . . . 9,583 33 

Special deposit, $198,483; liabilities in offset, 

$198,483. 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, including $30,471 resisted, $844,372.70; less 

reinsurance, $181,008.33, .... 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Munich Reinsurance fund, .... 



225,715 83 



Total, . . . 
Cash capital, ..... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 



$5,000,000 00 
7,210,163 97 



20,971,192 19 

$663,364 37 

7,406,039 25 

101,115 19 

1,000 00 

140,000 00 

449,509 41 

$8,761,028 22 

12,210,163 97 
$20,971,192 19 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

$1,182,207,651 00 $14,198,068 94 
829,005,049 00 10,017,644 54 



$2,011,212,700 00 $24,215,713 48 
723,538,726 00 9,187,028 27 



$1,287,673,974 00 $15,028,685 21 
136,382,568 00 1,583,044 81 



$1,151,291,406 00 $13,445,640 40 



* The company holds also instalment premium notes to the amount of $59,641.48, which do not enter 
into or form any part of the assets of the company, as no portion of them is earned. Whatever value 
is attached to them would necessarily be counterbalanced by the addition of an amount exactly equal 
to the reinsurance liability, the entire sum consisting of "unearned premiums." 



MTNA INSURANCE CO. 



115 



Perpetual risks in force (not included above), 



Marine risks in force Dec. 31, 1909, 
Marine risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



. $4,544,863 00 

. $17,180,449 00 

111,865,897 00 

$129,046,346 00 

97,642,520 00 

$31,403,826 00 

2,801,857 00 



Premiums. 

$106,437 04 

$477,578 39 

1,079,889 82 

$1,557,468 21 

778,335 12 

$779,133 09 

97,109 54 



$28,601,969 00 $682,023 55 



Miscellaneous. 

Net premiums received from organization of comparry, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year, 

Par value of company's stock owned by directors, 



$238,312,894 87 
123,408,315 68 
32,801,365 00 
2,805,000 00 
3,632,812 13 
363,115 88 
680,000 00 
250,800 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 

500 shares Albany & Susquehanna, . 

300 " Alleghany & Western, . 

300 " Baltimore & Ohio, preferred, . 

182 " Baltimore & Ohio, common, 

1,500 " Chicago, Mil. & St. Paul, preferred, 

600 " Chicago, Mil. & St. Paul, common, 

400 " Chicago & Northwestern, pref., 

600 " Chicago & Northwestern, common, 

1,000 " Cleve., Cin., Chic. & St. L., pref., 

1,000 " Cleveland & Pittsburgh, 

300 " Connecticut River, 

300 " Dayton & Michigan, preferred, 

300 Delaware & Bound Brook, 

500 " Fort Wayne & Jackson, preferred, 

500 Georgia Railroad & Banking, . 

400 " Illinois Central, 

181 " Illinois Southern, . 

100 " Joliet & Chicago, . 

450 Kalamazoo, Allegan & Gr. Rapids, 

1,000 " Morris & Essex, 

1,800 " New York Central & Hudson Riv., 

500 " New York & Harlem, 

350 " New York, Lackawanna & West., 

2,888 " New York, New Haven & Hartford, 

1,203 " N. Y., N. H. & H. (new st. full pd.), 

900 " Oswego & Syracuse, 

4,000 " Pennsylvania, 

300 " Peoria & Bureau Valley, 

1,000 " Pittsburgh, Ft. Wayne & Chicago, 

1,000 Rensselaer & Saratoga, . 

500 Rome, Watertown & Ogdensburg, 

140 " St. Joseph, So. Bend & So., pref., 

500 St. Joseph. So. Bend & So., com., 

300 Utica, Chenango & Susque. Valley, 

400 " Valley (New York), 

Bank Stocks. 

200 shares iEtna National, Hartford, 

400 " Am. Exchange Nat., New York, 

200 " American Nat., Hartford, 

400 " Bank of the Manhattan, New York, 



Book Value. 

$46,662 50 
45,875 00 
23,606 64 
18,187 94 

204,571 88 
60,256 08 
67,718 75 
63,386 46 
98,912 51 
46,032 75 
28,016 66 
23,636 00 
54,000 00 
50,175 00 

120,710 00 
50,078 76 
22,500 00 
9,462 75 
55,750 00 
43,968 75 

188,920 42 
36,681 25 
45,833 33 

293,034 26 

150,375 00 
95,364 25 

230,540 90 
55,755 93 

112,201 

173,575 
64,483 
13,940 
50,000 00 
47,390 00 
44,550 00 

21,408 50 
43,983 00 
10,500 00 
26,708 00 



75 
00 
33 
00 



Rate. 
290 
143 
91 
105 
146 
123 
203 
145 
100 
170 
265 
185 
195 
137 
267 
132 

172 
135 

182 
113 
315 
124 
151 
148 
218 
129 
180 
168 
195 
121 
100 
40 
150 
128 

245 
240 
142 
330 



Market Value. 
$145,000 00 

42,900 

27,300 

19,110 
219,000 

73,800 

81,200 

87,000 
100,000 

85,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 



79,500 00 



27,750 
58,500 
68,500 
133,500 
52,800 



00 
00 
00 
00 
00 



17,200 00 

60,750 00 

91,000 00 
203,400 00 

78,750 

43,400 
436,088 
178,044 

98,100 
258,000 

54,000 
168,000 
195,000 

60,500 

14,000 

20,000 

45,000 

51,200 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



49,000 00 
96,000 00 
14,200 00 
66,000 00 



116 



.ETNA INSURANCE CO. 



300 shares Bk. of New York Nat. Bkg. Asso., 

300 " Central Trust Co., New York, 

400 " Charter Oak National, Hartford, 

200 " City Bank, Hartford, 

150 " Conn. River Bank. Co., Hartford, 

350 " Farmers' & M. Nat. Hart, (in liq.), 

250 " Farmers' & M. Nat., Phila., Pa., 

300 " First National Bank, Hartford, 

75 " First National Bank, New York, 

300 " Hanover National, New York, 

1,000 " Hartford National, 

200 " Holland Trust Co., New York, 

300 " Importers & Tr. Nat., New York, 

100 " Inter. Bank. Corp. New York, 

112 " Market & Fulton Nat., New York, 

345 " Mechanics & M. Nat,, New York, 

120 " Merchants Exch. Nat., New York, 

700 " Merchants National, New York, 

100 " Metropolitan Tr. Co., New York, 

625 " Nat. Bank of Com., New York, 

500 " National City, New York, 

550 " National Exchange, Hartford, 

100 " New Britain National, 

150 " New York Life Ins. & Trust Co., 

200 " Peoples, New York, 

1,000 " Phcenix National, Hartford, 

550 " State, Hartford, 

100 " Third Nat., New York (in liquid.), 

100 " Union Trust Co., New York, . 

100 " United States Tr. Co., New York, 

Miscellaneous Stocks. 
400 shares American Telegraph & Cable Co., 
Atlantic Mutual Ins. Co., scrip, 1905-08, 

9 shares Gen. Adjust. Bureau, New York, 
300 " Gold & Stock Telegraph Co., . 
300 " Internat. Ocean Telegraph Co., 
1,000 " Northwest Telegraph Co., 

5 " Southern Adj. Bureau, Atlanta, 
10 " Underwriters' Salvage Co., Chicago, 
10 " Underwriters' Sal. Co., New York, 

Government Bonds. 
United States 4s, 1925, 

State, County and Municipal Bonds. 
Albina, Oregon City, 6s, 1921, 
Americus, Ga., 6s, 1919 and 1920, 
Arizona 5s, 1942, 
Bainbridge, Ga., 6s, 1912, 
Bainbridge, Ga., 6s, 1913, 
Bainbridge, Ga., 6s, 1914, 
Bainbridge, Ga., 6s, 1915, 
Bainbridge, Ga., 6s, 1916-17, 
Bainbridge, Ga., 6s, 1918, 
Bainbridge, Ga., 6s, 1919-20, 
Bainbridge, Ga., 6s, 1921, 
Bainbridge, Ga., 6s, 1922-23, 
Bainbridge, Ga., 6s, 1924-25, 
Bainbridge, Ga., 6s, 1926, 
Boston, Mass., 4s, 1923, . 
Chicago, 111., 5s, 1911, 
Chicago, 111., 5s, 1913, 
Chicago, 111., 5s, 1914, 
Chicago, 111., 4s, 1928, 
Cleveland, O., 4s, 1912, . 
Cleveland, O., 4s, 1922-25, 
Connecticut 3^s, 1934, 
Dallas, Tex., 5s, 1920, • . 
Durham, N. C, 4±s, 1935, 
Enfield, Conn., School Dist. No. 2, 4£s, 
Georgia 4Js, 1915, 
Greensboro, N. C, 6s, 1922, 
Greenville, Ala., 6s, 1922, . 





Book Value. 


Rate. 


Market Value. 


$36,766 


55 


320 


$96,000 00 


31,000 


00 


1,025 


307,500 00 


51,832 


25 


145 


58,000 00 


27,087 


00 


103 


20,600 00 


9,300 


00 


234 


10,530 00 


17,692 


50 


7 


2,450 00 


28,488 


00 


141 


35,250 00 


34,906 


50 


160 


48,000 00 


20,571 


00 


860 


64,500 00 


50,037 


00 


615 


184,500 00 


140,359 


00 


143 


143,000 00 


30,200 


00 


50 


10,000 00 


30,000 


00 


565 


169,500 00 


20,000 


00 


98 


9,800 00 


14,143 


00 


272 


30,464 00 


38,636 


00 


248 


85,560 00 


8,792 


50 


165 


9,900 00 


39,918 


52 


181 


63,350 00 


11,000 


00 


500 


50,000 00 


84,379 


77 


194 


121,250 00 


66,889 


00 


387 


193,500 00 


34,306 


25 


136 


37,400 00 


10,000 


00 


165 


16,500 00 


18,525 


00 


1,125 


168,750 00 


5,544 


00 


258 


12,900 00 


146,711 


50 


122 


122,000 00 


63,779 


00 


188 


103,400 00 


11,050 


00 


2 


200 00 


10,000 


00 


1,290 


129,000 00 


28,510 


00 


1,185 


118,500 00 


36,750 


00 


81 


32,400 00 


29,017 


50 


106 


29,923 80 


450 


00 


100 


450 00 


36,000 


00 


110 


33,000 00 


33,000 


00 


95 


28,500 00 


50,992 


93 


114 


57,000 00 


250 


00 


100 


250 00 


750 


00 


100 


1,000 00 


1,000 


00 


125 


1,250 00 


. 113,718 


85 


116 


116,000 00 


27,750 


00 


108 


27,000 00 


21,045 


00 


109 


19,620 00 


15,450 


00 


101 


15,150 00 


N 






101 
102 
103 
104 
105 


505 00 
510 00 
515 00 
520 00 
1,050 00 




7,500 


00- 


106 
107 
108 
109 
110 
111 


530 00 
1,070 00 

540 00 
1,090 00 
1,100 00 

555 00 


25,000 


00 


101 


25,250 00 


• } 




100 


17,000 00 


. \ 44,812 


95- 


102 


12,240 00 


• J 




103 


13,390 00 


24,937 


50 


99 


24,750 00 


52,095 


00 


100 


50,000 00 


51,312 


50 


101 


50,500 00 


100,000 


00 


100 


100,000 00 


35,902 


68 


104 


37,440 00 


26,718 


75 


100 


25,000 00 


4,000 


00 


100 


4,000 00 


11,400 


00 


103 


10,300 00 


24,480 


00 


111 


26,640 00 




20,000 


00 


106 


21,200 00 



.ETNA INSURANCE CO. 



117 



Hamilton, Ont., 4s, 1920, .... 

Hartford, Conn., Conn. Riv. Bridge 3|s, 1954, 

Hartford, Conn., Northw. Sch. Dist. 4s, 1938, 

Jersey City, N. J., 5s, 1923, 

Jersey City, N. J., refunding 4£s, 1928, 

Lexington, Ky., 5s, 1918, . 

Manitoba 4s, 1947 and 1948, 

Mecklenburg County, N. C, 6s, 1920, 

Montreal, Canada., 4s, 1917-42, 

Nashville, Tenn., High School, 4|s, 1940, 

New Britain, Conn., Municipal Bldg. 4s, 1948, 

New Mexico 5s, 1915-1925, 

New York, N. Y., 4Js, 1957, 

New York, N. Y., 4|s, 1960, 

Ogden City, Utah, 5s, 1912, 

Portland, Ore., Park 4s, 1933, 

Port of Portland, Ore., 5s, 1922, 

Rahway, N. J., 4s, 1922, . 

Richmond, Va., 4s, 1943, . 

Richmond, Va., 4s, 1929, . 

Richmond, Va., 4s, 1938, . 

Roanoke, Va., 4s, 1936, 

Spokane, Wash., 4£s, 1934, 

Spokane County, Wash., 4|s, 1923, 

Stamford, Conn., 4s, 1938, 

Syracuse, N. Y., 4As, 1911-12, 

Syracuse, N. Y., 4|s, 1913-15, 

Syracuse, N. Y., 4|s, 1916-20, 

Syracuse, N. Y., 4|s, 1921-25, 

Syracuse, N. Y., 4£s, 1926-28, 

Tacoma, Wash., 4|s, 1929, 

Tacoma, Wash., 5s, 1913, . 

Talbot County, Georgia, 6s, 191! 

Tennessee 3s, 1913, . 

Westmount, Que., 3£s, 1938, 

Winnipeg, Man., 4s, 1914, 

Winston, N. C, 5s, 1924, . 

Railroad Bonds 
Alabama Central 1st 6s, 1918, 
Baltimore & Ohio 1st 4s, 1948, 
Baltimore & Ohio prior lien 3^s, 1925, 
Boston & Maine debenture bonds, 4|s, 1929, 
Boston & New York Air Line 1st 4s, 1955, 
Buffalo, New York & Erie Is 7s, 1916, 
Canadian Northern (Winnipeg Terminal) 4s, 1939 
Central Branch 1st 4s, 1919, 
Central Ohio 1st consolidated 4^s, 1930, 
Central Pacific 3|s, 1929, . 
Central Pacific 1st 4s, 1949, 
Central of New Jersey general 5s, 1987, 
Chesapeake & O. (Rich. & A. Div.) 1st 4s, 1989, 
Chicago, Burl. & Quincy 4s, 1922, 
Chicago, Burl. & Quincy (111. Div.) 3Js, 1949, 
Chicago, Burl. & Quincy (Neb. Ex.) 4s, 1927, 
Chicago & E. 111. gen. cons. 1st 5s, 1937, 
Chicago & Erie 1st 5s, 1982, 
Chicago, Hammond & Western 1st 6s, 1927, 
Chicago, Indiana & Southern mortgage 4s, 1956, 
Ch., Mil. & St. P. (Dub. Div.) 1st 6s, 1920, 
Ch., Mil. & St. P. general 4s, 1989, . 
Chicago North Shore Street 1st 6s, 1912, . 
Chicago & Northwestern general 4s, 1987, . 
Chicago & Northwestern (Mad. Ex.) 1st 7s, 1911 
Chicago & Northwestern 6s, 1929, 
Chicago & Northwestern consolidated 7s, 1915, 
Chicago & Northwestern general 3^s, 1987, 
Chicago & Northwestern sinking fund 5s, 1933, 
Chicago & Northwestern sinking fund 5s, 1929, 
Chicago Railways consolidated Class A 4s, 1927, 
Chicago Railways consolidated Class B 4s, 1927, 
Chicago, Rock Island & Pacific 6s, 1917, . 
Chicago, Rock Island & Pacific general 4s, 1988, 



Book Value. 

$48,185 00 
47,000 00 
30,000 00 
26,304 79 
26,250 00 
52,846 83 
14,875 00 
75,815 00 
66,584 43 
37,370 00 

100,250 00 
10,550 00 
56,187 50 
50,375 00 
18,270 00 
50,000 00 
54,152 78 
44,796 80 
25,125 00 

25,650 00 

30,000 00 
21,842 50 
51,250 00 
50,500 00 



37,787 04 



31,200 00 
30,550 00 
4,550 00 
29,004 20 
50,375 00 
33,143 90 
25,000 00 



00 
00 
50 
00 
00 
75 
00 
00 
75 
00 
00 
00 
05 
99 
50 



58,000 
123,250 

23,187 
156,425 
101,000 
126,308 

49,625 

31,450 

27,593 
840 

48,875 
192,925 

88,783 

21,392 
119,002 

96,562 50 

56,218 75 
298,318 75 
122,562 50 

22,750 

38,605 

75,081 

26,500 

49,375 

39,865 

22,339 

68,593 

99,460 

51,385 
1,125 

30,000 

45,000 

75,850 
103,500 



00 
42 
25 
00 
00 
83 
25 
75 
00 
00 
00 
00 
00 
00 
00 



Rate. 

99 

92 

100 

108 

105 

105 

101 

116 

100 

105 

98 

103 

107 

101 

101 

96 

108 

90 

97 

98 

97 

94 

103 

100 

98 

100 

101 

102 

103 

104 

102 

101 

102 

97 

92 

100 

102 

108 

99 

93 

103 

100 

110 

100 

92 

101 

92 

97 

122 

96 

99 

88 

99 

110 

111 

117 

93 

114 

100 

85 

99 

100 

111 

111 

88 

108 

106 

91 

83 

110 

97 



Market Value. 
$45,540 00 
46,000 
30,000 
27,000 
26,250 
52,500 
15,150 
83,520 
60,000 
38,850 
98,000 
10,300 
53,500 
50,500 
18,180 
48,000 
54,000 
19,800 
24,250 
11,760 
12,610 
28,200 00 
21,630 00 
50,000 00 
49,000 00 

4,000 

6,060 
10,200 
10,300 

6,240 
30,600 
30,300 00 

4,080 00 
22,310 
46,000 
31,793 
25,500 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 



00 
00 
00 
00 



54,000 00 
123,750 00 

23,250 00 
154,500 00 
100,000 00 
110,000 

50,000 

34,040 

25,250 
920 

48,500 
183,000 

96,000 

28,710 
118,800 

99,000 

55,000 
277,500 00 
117,000 00 

23,250 00 

38,760 00 

75,000 00 

21,250 00 

49,500 

30,000 

22,200 

55,500 

88,000 

48,600 
1,060 

27,300 

37,350 

66,000 

97,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



118 



jETNA INSURANCE CO. 



Detroit 1st 5 
Detroit 1st 5 
Detroit 1st 5 



53,739 90 



Book Value. 

Chicago, St. Louis & New Orleans 5s. 1951, . $29,062 50 

Chicago & Western Indiana consol. 4s, 1952, . 101.000 00 

Chicago & Western Indiana general Gs, 1932, 110,532 50 

Cicero and Proviso Street.. Chic, consol. 5s, 1915. 25.000 00 

Cincinnati, Dayton & Ironton 5s. 1941, . . 53.0S7 50 

Cincinnati. Findlay & Fort Wayne 1st 4s. 1923. . 49.200 00 

Cin., Hamilton *!t Dayton general 5s. 1942. . 117.231 67 

Cm.. Indianap. & West. 1st and ref. 4s, 1953, . 49,500 00 

Cleve.. Cin.. Chic. & St. Louis general 4s, 1993, . 199,250 00 

Cleve.. Col., Cin. & Indianap. 1st consol. 7s. 1914, 126.551 50 

Cleveland. Lorain & Wheeling 1st consol. 5s, 1933, 116.086 25 

Colorado & Southern 1st 4s. 1929, . . . 24,531 25 

Columbus & Toledo 1st 4s, 1955, . . . 140,279 39 

Davton & Michigan 1st 5s. 1911, . . . 21,000 00 

Delaware & Hudson Canal (Penn. Div.) 7s. 1917, 43.S20 00 

Delaware & Hudson Co. 1st refunding 4s, 1943, . 99,937 50 

Des Moines & Fort Dodge 1st 4s. 1935, 24,437 50 
Detroit 1st 5s, 1912, 

. 1915, 

, 1921, 

, 1924, 

Elgin. Joliet & Eastern 1st 5s, 1941, . 57,250 00 

Flint & Pere Marquette 1st consol. 5s. 1939. . 26.030 00 

Flint & Pere Mar. (Pt. Hur. Div.) 1st 5s, 1939. . 59.262 50 

Gal., Har. & San. An. (M. & P. Ex.) 1st 5s. 1931. 81,250 00 

Georgia & Alabama 1st consolidated 5s, 1945, . 56,125 00 

Georgia R.R. & Banking Co. 4s, 1947, . . 23,375 00 

Hartford Street 1st 4s, 1930, .... 51,500 00 

Hocking Yallev 1st consolidated 4^s, 1999, . . 78,716 25 

Housatonic 5s, 1937 20,8S0 00 

Illinois Central (Springfield Div.) 1st 3£s, 1951, . 101,000 00 

Iowa Central 1st refunding 4s, 1951, . . . 45,750 00 

Iowa Central 1st 5s, 1938, .... 56,125 00 

Keokuk & Des Moines 1st 5s, 1923, . . . 45,942 50 

Lake Shore & Michigan Southern 4s, 1931, . 186,075 00 

Lehigh Valley 1st 4£s, 1940 215,610 00 

Lehigh Yallev Terminal 1st 5s, 1941, . . . 231,555 00 

Louisville & Jefferson ville Bridge Co. 4s, 1945, . 49,250 00 

Louis. & Nash. (Pad. & Memp. Div.) 1st 4s, 1946, 47,762 50 

Louis., N. Albanv & C. (C. & I. Div.) 1st 6s, 1911, 32,987 50 

Mahoning Coal 5s, 1934, 28,584 74 

Michigan Central (Grand Riv. Vallev) 1st 4s, 1959, 48,750 00 

Middlesex Yallev 1st 5s, 1942, .... 28,750 00 

Midland of New Jersev 1st 5s, 1940, . . . 49,338 75 

Minn. & St. Louis (Merriam June.) 1st 7s, 1927, . 82,702 50 

Minn. & St. Louis (Pacific Ex.) 1st 6s, 1921, . 31,875 00 

Minneapolis Union 6s, 1922, .... 163,780 83 

Montana Central 1st 6s, 1937, .... 107,2S7 50 

Morris & Essex 1st 7s, 1914 63,461 88 

Morris & Essex 1st consolidated 7s, 1915, . . 176,169 72 

Mutual Terminal Co. of Buffalo 1st 4s, 1924, . 47,750 00 

New England consolidated 5s, 1945, . . . 62,437 50 

New England consolidated 4s, 1945, . . . 30,250 00 

New Haven & Northampton Co. ref. 4s, 1956, . 50,312 50 

New London Northern 1st 4s, 1940, . . . 49,625 00 

N. Y., Lacka. & West. Term, and Imp. 4s, 1923, . 100,581 25 

N. Y,., Lake Erie & Western 7s, 1920, . . 64,143 75 

N. Y., N. H. & Hartford conv. deb. 3^s, 1911-56, . 108,293 00 

N. Y., N. H. & Hartford conv. deb. 6s, 1923-48, . 293,995 00 

N. Y., N. H. & Hartford deb. 4s, 1956, . . 190,250 00 

N. Y., N. H. & H. (H. R, & Pt. C. Div.) 1st 4s, 1954, 242,756 25 

N. Y., Susquehanna & Western term. 5s, 1943, . 54,902 50 

N. Y., Susquehanna & West. 1st ref. 5s, 1937, . 68,990 00 

Norfolk & Western 6s, 1931, .... 59,251 83 

North Chicago Electric 1st 6s, 1914, . . . 27,375 00 

Nor. Pac.-Gt. Nor. (C.B. & Q. Coll.) 4s, 1921, . 155,963 12 

Northwestern Union 1st 7s, 1917, . . . 76,074 22 

Oregon Short Line 1st 6s, 1922, . . . 121,793 75 

Oregon Short Line 1st 5s, 1946, . . . 28,500 00 

Oswego R.R. Bridge Co. 6s, 1915, . . . 52,679 17 

Pennsylvania Equipment 3^s, 1911, . . . 5,000 00 

Pittsburg, Fort Wayne & Chicago 1st 7s, 1912, . 88,881 37 



Rate. 

115 

93 

110 

45 

105 

87 

103 

S7 

95 

108 

110 

96 

94 

100 

119 

100 

90 

99 

98 

96 

95 

109 

102 

102 

10S 

105 

93 

100 

103 

114 

S7 

67 

104 

101 

93 

107 

113 

93 

96 

101 

113 

97 

106 

111 

132 

112 

114 

127 

110 

112 

95 

117 

100 

100 

99 

99 

119 

101 

134 

94 

100 

110 

102 

125 

85 

96 

116 

115 

112 

107 

100 

104 



00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



Market Value. 
828.750 00 

93.000 
101.200 

11,250 

52.500 

43,500 
111,240 

43.500 
190,000 
108,000 00 
110,000 00 

24,000 
117.500 

20,000 

41,650 
100,000 

22,500 

19,800 00 

6,860 00 

960 00 

20.900 

54,500 

25,500 

56,100 

81,000 

52,500 

23,250 

50,000 

77,250 

20,520 

87,000 00 

33,500 00 

52,000 00 

50,500 00 
186,000 00 
214,000 00 
226,000 00 

46,500 00 

48,000 00 

30,300 00 

33,900 00 

48,500 00 

26,500 00 

49,395 00 

73,920 00 

28,000 00 
159,600 00 
101,600 00 

56,650 00 
168,000 00 

47,500 

58,500 

30,000 

50,000 

49,500 

99,000 00 

59,500 00 
109,383 00 
335,000 
188,000 
240,000 

55,000 

61,200 00 

62,500 00 

21,250 00 
192,000 00 

69,600 00 
115,000 00 

28,000 00 

53,500 00 

5,000 00 

78,000 00 



00 
00 
00 
00 
00 



00 
00 
00 
00 



AGRICULTURAL INSURANCE CO. 



119 



Pittsburg, Fort Wayne & Chicago 2d 7s, 1912, 

Pittsburg, Fort Wayne & Chicago 3d 7s, 1912, 

Port Reading 1st 5s, 1941, 

Rome, Water. & Ogdensburg 1st consol. 5s, 1922 

St. Paul, Minn., & Manitoba consol. 6s, 1933, 

St. Paul, Minn., & Manitoba consol. 4s, 1933, 

St. Paul, Minn. & Manitoba (Mon. Ex.) 4s, 1937 

St. Paul & Northern Pacific 1st 6s, 1923, . 

St. Paul & Sioux City 1st 6s, 1919, . 

Sault Ste. Marie & Southwestern consol. 5s, 1915 

Southern 1st consol. 5s, 1994, 

Southern (St. Louis Div.) 1st 4s, 1951, 

Terre Haute & Peoria 1st 5s, 1942, . 

Toledo & Ohio Central 1st 5s, 1935, 

Toledo & Ohio Central (West. Div.) 1st 5s, 1935, 

Toronto, Hamilton & Buffalo 1st 4s, 1946, . 

Union Pac. 1st mort. R.R. and Land Grant 4s, 1947 

United New Jersey R.R. & Canal Co. 4s, 1929, 

Vermont Valley 1st 4|s, 1940, . 

Wabash 1st mortgage 5s, 1939, . 

Washington Terminal Co. 1st 3£s, 1945, 

West Shore 1st 4s, 2361, .... 

Willmar & Sioux Falls 1st 5s, 1938, . 

Miscellaneous Bonds. 
Mas. Tern. Corp., Wilmington, N. C, 6s, 1919, . 
Mortgage Bond Co., New York, 4s, 1966, . 
New York Dock Co., 1st 4s, 1951, 
Peoples G. Lt. & Coke Co., Chicago, ref. 5s, 1947, 



Book Value. 

$90,406 00 
47,600 00 
67,720 00 
65,582 50 
91,212 50 
30,000 00 
24,750 00 

186,551 67 

115,010 00 
20,525 00 
52,005 00 
49,875 00 
25,805 54 
57,272 50 
53,695 45 
98,087 50 
25,531 25 

102,375 00 
52,437 50 

112,097 50 
31,637 50 
94,125 00 
85,243 75 

30,500 00 
22,437 50 
55,000 00 
52,312 50 

$15,852,049 66 



Rate. 
104 
104 
108 
108 
126 

99 

97 
116 
112 
102 
107 

87 
110 
109 
110 

89 
101 
102 
105 
109 

89 
101 
112 

106 
90 
91 

102 



Market Value. 
$84,240 00 

41,600 00 

68,040 00 

64,800 00 

88,200 00 

29.700 00 

24,250 00 
174,000 00 
112,000 00 

20,400 

53,500 

43,500 

27,500 

54,500 

55,000 

89,000 

25,250 
102,000 

52,500 
109,000 

31,150 
101,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



84,000 00 

31,800 00 
22,500 00 
50,050 00 
51,000 00 

$17,515,455 80 



AGRICULTURAL INSURANCE COMPANY, WATERTOWN, N. Y 

Incorporated 1853.* Commenced business Feb. 17, 1853. 

Paid-up Capital, $500,000. 
W. H. STEVENS, President. J. Q. ADAMS, Secretary 

Home Office, 203 Washington Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $34,432.89; collaterals, $18,904.60; 
stocks and bonds, $94,569.55; bank deposits, $5,295.83; all 
other, $1,431.02; gross rents, for company's own occupancy, 
$2,500, 

Gross profit on sale of ledger assets, 

Gross increase in book value of bonds, 

Increase in First Bulgarian Insurance Co. reserve fund, 

Agents' balances previously charged off, 

From all other sources, . 



Total income, 
Ledger assets, Dec. 31, 1909, . 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 
Commissions or brokerage, .... 
Agency expenses, ...... 



.,685,573 77 



157,133 89 

44,155 96 

1,923 27 

13,857 19 

2 20 

745 00 



$1,903,391 28 
3,414,628 67 

$5,318,019 95 



$746,843 45 
30,956 18 
75,000 00 

376,638 47 
3,647 27 



Organized as mutual company 1853; incorporated as stock company, Jan. 10, 1863. 



120 



AGRICULTURAL INSURANCE CO, 



Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $2,500 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of ledger assets, . 

Gross decrease in book value of bonds, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, . . 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $8,898.23; bonds, $20,647.78; collateral loans, 

$8,771.25; other assets, $577.78, 

Market value of stocks and bonds over book value, . 
Due from other companies, . . . . . 

Gross assets, . . , . . . 

Assets not admitted. 

Agents' balances over three months due, . . . $3,329 98 
Book value of real estate over market value, . . 3,336 62 



. $117,500 26 


54,265 27 


4,680 59 


20,839 28 


16,246 20 


841 71 


1,825 99 


4,583 78 


25,256 57 


11,976 48 


3,787 95 


941 81 


821 53 


33,662 95 


9,204 01 


9,681 41 


1,436 49 


687 76 


1,380 07 


3,406 54 


. $1,556,112 02 


. $3,761,907 93 


. $39,191 62 


721,414 11 


316,614 91 


. 2,109,361 91 


8,089 94 


280,744 06 


286,491 38 


. $3,761,907 93 



38,895 04 

2,970 34 

1,145 02 

$3,804,918 33 



Admitted assets, 



6,666 60 
$3,798,251 73 



Liabilities. 

Unpaid losses, including $19,658.25 resisted, $166,075.85; less 

reinsurance, $32,295.55, . $133,780 30 

Unearned premiums on outstanding risks, .... 1,768,232 65 

Salaries, expenses and accounts, due or accrued, . . . 5,517 88 

Taxes, due or accrued, ........ 35,000 00 



AGRICULTURAL INSURANCE CO. 



121 



First Bulgarian Insurance Company reserve fund, 
Reserve for contingencies, 

Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$500,000 00 
1,222,166 32 



$33,554 58 

100,000 00 

£2,076,085 41 

1,722,166 32 

£3,798,251 73 



Total liabilities, including surplus, 

Risks and Premiums. 

Risks. Premiums. 

$366,090,000 00 $3,729,402 00 
238,524,700 00 2,521,808 41 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$604,614,700 00 
214,855,200 00 



56,251,210 41 
2,313,181 41 



$389,759,500 00 $3,938,029 00 
47,445,200 00 530,933 00 



$342,314,300 00 $3,407,096 00 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (15 per cent.), 

Par value of company's stock owned by directors, 



$38,672,097 00 

19,485,867 00 

1,867,500 00 

400,000 00 

755,528 30 

75,000 00 

79,400 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value 

$10,000 00 

500 00 

500 00 

1,000 00 

500 00 

15,000 00 , 

6,000 00 I 

1,700 00 / 

30,000 00 

1932, 29,500 00 

100,000 00 

75,000 00 

3,755 00 

1,900 00 

1,650 00 

Y., . 10,000 00 

17,250 00 

Y., . 3,150 00 \ 

2,695 00 J 

25,000 00 

3,000 00 

Y., . 1,050 00 

6,000 00 

5,000 00 

1,000 00 

6,000 00 

Y., . 840 00 

20,000 00 

5,000 00 



100 shares Brockway Co., Watertown, N. Y M 
5 " Brockway Co., Watertown, N. Y., 
Remington-Martin Co., Norfolk, N. Y., 6s, 1921, 

10 shares Arthur Grain & Coal Co., Lowville, N. Y., 
Champion Paper Co., Carthage, N. Y., 6s, 1924, 
Real estate mortgage, ..... 

Deed of real estate, Clinton Park, N. Y., 
Wilford Realty Co., Cohoes, N. Y., 6s, 1911, 
300 shares St. Regis Paper Co., pref., Deferiet, N. Y., 
St. Law. Int. El. R.R. & Land Co., Alex. Bay, N. Y., 5s, 
Real estate mortgage, ..... 

Real estate mortgage, ..... 
Real estate mortgages, ..... 

10 shares Carthage National Bank, Carthage, N. Y., 

11 " City National Bank, Watertown, N. Y., 
100 " Carthage Tissue Paper Mill, Carthage, N 
150 " West End Paper Co., Carthage, N. Y., 

15 " Watertown National Bank, Watertown, N, 
49 " International Paper Co., preferred, 
250 " Hunting Co., preferred, Watertown, N. Y., 
Deed of real estate, Elmira, N. Y., . . . 

5 shares Watertown National Bank, Watertown, N 
Ontario Talc Co., Gouverneur, N. Y., 6s, 1911-21, 
Carthage Sulphite Co., Carthage, N. Y., 6s, 1924, 
Champion Paper Co., Carthage, N. Y., 6s, 1924, 
Remington-Martin Co., Norfolk, N. Y., 6s, 1923, 

4 shares Watertown National Bank, Watertown, N 
200 " Brownville Paper Co., Brown ville, N. Y., 
Real estate mortgage, ..... 



Loaned 
Thereon. 

$8,000 00 



12,750 75 



6,000 00 

20,000 00 

20,000 00 

100,000 00 

75,000 00 

4,889 16 

3,000 00 
8,500 00 

4,000 00 

25,000 00 

1,500 00 

475 00 

3,000 00 

10,000 00 

500 00 

10,000 00 

4,000 00 



$382,990 00 $316,614 91 



122 



AGRICULTURAL INSURANCE CO. 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 

250 shares Atch., Top. & Santa Fe, common, 

400 " Atch., Top. & Santa Fe, preferred, 

250 " Cayuga & Susquehanna, 

500 " Chicago, Mil. & St. P., common, 

250 " Chicago, Mil. & St. P., preferred, 

250 " Great Northern, preferred, 

100 " Hereford, 

14 " Illinois Central, Leased Line, 

250 " Louisville & Nashville, 

220 " Morris & Essex, 

26 " Morris & Essex Extension, 

476 " Nashville & Decatur, 

250 " New York Central & Hud. River, 

100 " New York, Lackawanna & West., 

250 " N. Y., N. H. & Hartford, 

83 " N. Y., N. H. & H. (75% paid), 

132 Oswego & Syracuse, 

1,000 " Pennsylvania, 

150 " Pittsburgh, Ft. Wayne & Chicago, 

200 " Rome, Watertown & Ogdensburg, 

28 " Union Pacific, common, . 

200 " Union Pacific, preferred, 

40 " Warren, .... 

Bank Stocks. 
20 shares Carthage Nat., Carthage, N. Y., 
26 " Jefferson County Nat., Water., N. Y., 
75 " Nat. Herkimer Co., Little Falls, N. Y., 

200 " N. N. Y. Tr. Co., Watertown, N. Y., 

150 " Watertown National, 

Miscellaneous Stocks. 
200 shares American Locomotive Co., pref., 
129 " H. H. Babcock Co., Water., N. Y., . 

9 " General Adjt. Bureau, New York, 
100 " General Electric Co., 
263 " Hungerford-Hol. Co., Water., N. Y., 
300 " International Paper Co., preferred, . 
3 " Louisville Property Co., . 
5 " So. Adjust. Bureau, Atlanta, Ga., 
5 " Underwriters' Salvage Co., New York, 
5 " Underwriters' Salvage Co., Chic, 
1 share West. Adj. & Insp. Co., Chicago, 

State and Municipal Bonds. 
Ashville, N. C, 4s, 1922, . 
Dublin, Ga., 5s, 1937, 
Georgia 3|s, 1915, . 
Louisiana 4s, 1914, . 
New York, N. Y., 4s, 1959, 
New York Canal Improvement 3s, 1958, 
Peekskill, N. Y., 4.15s, 1938, 
Richmond, Va., 4s, 1921-27, 
Rye, N. Y., Park, 3.85s, 1943, 
South River, N. J., 5s, 1940, 

Sullivan Twp., Laurens Co., S. C, ref. 5^s, 1937 
Watertown, N. Y., 4s, 1940, 
White Plains, N. Y., 41s, 1938, 

Railroad Bonds. 
Atch., Top. & Santa Fe (Tr. Sh. L.) 4s, 1958, 
A., Top. & S. Fe Conv. (1st and 2d inst. pd.) 4s, 1960, 
Auburn & Syracuse Elec. 1st and ref. 5s, 1942, 
Baltimore & O. (So. West. Div.) 1st 3|s, 1925, 
Carolina, Clinchfield & O. 1st 5s, 1938, 
Central of Georgia equipment 5s, 1916, 
Chicago & Eastern 111. refunding 4s, 1955, . 
Chicago, Mil. & St. Paul, debentures 4s, 1934, 
Chicago Railways Co. 1st 5s, 1927, 
Chicago, R. I. & Pac. 1st and refund. 4s, 1934, 
Cleveland 1st 5s, 1912, .... 
Erie (Pennsylvania collateral) 4s, 1951, 
Gal., H. & San A. (Tex., M. & P. Ext.) 5s, 1931, 



00 
50 
25 
00 



Book Value. 
$27,880 73 
39,801 83 
17,250 00 
66,348 96 
32,746 78 
27,456 25 
10,150 00 

1,489 25 
27,043 75 
21,540 00 

2,782 
23,192 
28,781 
13,650 
39,387 50 

7,776 00 
15,741 00 
65,812 50 
27,750 00 
27,500 00 

4,900 00 
17,025 33 

3,720 00 

2,285 00 

4,895 00 

12,750 00 

40,000 00 

17,045 00 

18,825 00 

9,100 00 

450 00 

14,000 00 

26,300 00 

24,950 00 

35 00 

250 00 

500 00 

500 00 

150 00 

9,769 42 
10,771 43 

2,943 75 

7,936 00 
27,162 21 
25,000 00 

5,110 83 
27,240 70 

9,740 70 
10,290 33 

8,020 90 

4,000 00 
10,723 34 

23,800 00 

6,075 00 

10,000 00 

36,839 50 

15,000 00 

24,625 00 

20,964 67 

23,788 46 

9,507 90 

21,653 86 

9,925 00 

19,165 70 

21,506 52 



Rate. 
101 
103 
210 
123 
146 
123 
90 
97 
145 
182 
101 
188 
113 
124 
151 
148 
218 
129 
168 
121 
173 
93 
170 

207 
231 
250 
200 
210 

108 
100 
100 
154 
100 
55 
34 
100 
125 
100 
100 

98 

108 

98 

98 

100 

101 

100 

98 

96 

104 

107 

98 

106 

93 
67 
99 
91 
98 

101 
83 
93 
97 
90 

100 
87 

108 



Market Value. 
$25,250 00 
41,200 00 
15,750 00 
61,500 00 
36,500 00 
30,750 00 

9,000 00 

1,358 00 
36,250 00 
20,020 00 

2,626 00 
22,372 00 
28,250 00 
12,400 00 
37,750 00 

9,690 25 
14,388 00 
64,500 00 
25,200 00 
24,200 00 

4,844 00 
18,600 00 

3,400 00 

4,140 00 

6,006 00 

18,750 00 

40,000 00 

31,500 00 

21,600 00 

12,900 00 

450 00 

15,400 00 

26,300 00 

16,500 00 

102 00 

250 00 

625 00 

500 00 

100 00 

9,800 00 
10,800 00 

2,940 00 

7,840 00 
27,000 00 
25,250 00 

5,000 00 
26,460 00 

9,600 00 
10,400 00 

8,025 00 

3,920 00 
10,600 00 

23,250 00 

6,030 00 

9,900 00 

37,310 00 

14,700 00 

25,250 00 

20,750 00 

23,250 00 

9,700 00 

22,500 00 

10,000 00 

17,400 00 

21,600 00 



ALBANY INSURANCE CO. 



123 



Galveston-Houston Electric 5s, 1954, 

Georgia Ry. & Electric Co. 5s, 1932, . 

Interborough Rapid Transit Co. 5s, 1952, 

Kings County Elevated 1st 4s, 1949, . 

Lehigh & Hudson River 2d Consol. 5s, 1917, 

Mahoning & Sh. Ry. & L. Co. 1st con. ref . 5s, 1916 

Manhattan Consolidated 4s, 1990, 

Metrop. Street, Kansas City, Mo., cons. 5s, 1913 

Metrop. Street, New York, ref. 4s, 2002, 

Michigan Central debentures 4s, 1929, 

Missouri Pacific collateral trust 5s, 1917, 

N. Y. Cen. & H. R. (Lake Sh. col.) 3|s, 1998, 

N. Y., Chicago & St. Louis debentures 4s, 1931, 

N. Y, f N. H. & Hartford convertible 6s, 1948, 

N. Y., Ont. & Western general 4s, 1955, 

Norfolk & Southern 5s, 1954, . 

Nor. Pac.-Gt. Nor., (C, B. & Q. col.) 4s, 1921, 

Nor. Pac. (St. Paul & Duluth Div.) 4s, 1996, 

Ozark & Cherokee Central 1st 5s, 1913, 

Puget Sound Electric 1st Cons. 5s, 1932, 

Rochester Ry. & Light Co. consol. 5s, 1954, 

Rock Island, Ark. & La. 1st 4§s, 1934, 

Rome, Water. & Ogdensburg 1st cons. 4s, 1922, 

Southern Pacific convertible 4s, 1929, 

Southern Pacific 1st refunding 4s, 1955, 

Tri City Ry. & Light Co. 5s, 1923, . 

Union Pacific convertible scrip 4s, 1917, 

United Rys., St. Louis, Mo., general 4s, 1934, 

Virginia & Southwestern consolidated 5s, 1958, 

Miscellaneous Bonds. 
American Telegraph & Telephone Co., 4s, 1929, . 
Brownville Paper Co., Brownville, N. Y., 5s, 1915, 
Butte El. & Power Co., Butte, Mont., 1st 5s, 1951, 
California Gas & Elec. Corp. 5s, 1937, 
Cincinnati Gas Transportation Co. 1st 5s, 1933, 
Consolidated Light. Co. of Vt. 5s, 1926, 
Consolidated Water Co., Utica, N. Y., 1st 5s, 1930 
Gen. El. Co., Schenectady, N. Y., conv. 5s, 1917, 
Great Western Power Co. 1st 5s, 1946, 
Improved Prop. Holding Co., N. Y., 6s, 1918, 
Indiana & Michigan Electric Co. 1st 5s, 1957, 
International Paper Co. 5s, 1935, 
Iroquois Iron Co. 5s, 1917-18, . 
Jefferson Power Co., Black Riv., N. Y., 6s, 1912, 
Minneapolis Gen. Elec. Co., Minn., 5s, 1934, 
Mortgage Bond Co., New York, 4s, 1966, . 
New York Telephone Co. 1st and gen. 4|s, 1939, 
New York & Westchester Light. Co. 4s, 2004, 
O. F. Tern. Asso., Little Falls, N. Y., 5s, 1911-30 
Portland Gas & Coke Co. 1st and ref. 5s, 1940, 
Raq. F. & Sup. Co., Massena, N. Y., 1st 6s, 1918, 
Sierra & San Frans. Power Co. 1st 5s, 1949, 
Southern Bell Telegraph & Tel. Co. 5s, 1941, 
Southern Power Co. 5s, 1930, 
West End Paper Co., Carthage, N. Y., 6s, 1916-17, 



Book Value. 
$23,716 67 

26.145 84 
25,310 20 
21,551 82 

5,000 00 
9,717 71 

29.146 34 
24,578 12 
19,672 66 
14,120 56 
26,506 94 

9,572 22 
19,705 70 

8,300 00 
13,061 16 
10,000 00 

9,502 98 
10,000 00 
14,876 25 

9,816 66 

9,902 

9,592 
24,567 
25,735 
33,240 
14,805 
138 

8,696 



22 
00 
32 
10 
70 
00 
75 
14 



60 
50 
66 
28 
75 
56 
00 
48 
20 



9,856 00 

27,845 55 

60,000 00 

24,165 70 

23,952 

24,367 

14,706 

10,227 

15,647 

14,431 

9,600 
14,424 
22,685 

19,237 90 

30,000 00 

24,653 84 

22,482 45 

24,386 09 

23,225 30 

20,000 00 

24,758 06 

8,000 00 

13,756 87 

23,920 25 

14,729 96 

8,000 00 

$2,109,361 91 



Rate. 
94 

101 

104 
84 

102 
96 
98 
98 
49 
92 

102 
80 
92 

134 
90 
94 
96 
97 
98 
91 

100 
94 

100 
97 
95 
98 

104 
78 
95. 

91 

100 

97 

93 

98 

96 

101 

149 

86 

100 

99 

85 

96 

100 

100 

90 

99 

82 

100 

98 

100 

94 

97 

100 

102 



Market Value. 

$23,500 00 

25,250 

26,000 

21,000 

5,100 

9,600 
29,400 
24,500 

9,800 
13,800 
25,500 

8,000 
19,320 
11,122 
13,500 

9,400 

9,600 

9,700 
14,700 

9,100 
10,000 00 

9,400 00 
25,000 
24,250 
33,250 
14,700 
234 

7,800 

9,500 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 



27,300 00 
60,000 00 
24,250 00 
23,250 
24,500 
14,400 
10,100 
22,350 
12,900 00 

9,000 00 
14,850 00 
21,250 00 
19,200 00 
30,000 00 
25,000 00 
22,500 00 
24,750 
20,500 
20,000 
24,500 

8,000 
14,100 
24,250 
15,000 

8,160 



00 
00 
00 
00 
00 
00 
00 
00 
00 



$2,112,332 25 



ALBANY INSURANCE COMPANY, ALBANY, N. Y. 

Incorporated March 8, 1811. Commenced business March 16, 1811. Re-organized June 1, 1881. 

Paid-up Capital, $250,000. 
JOHN E. McELROY, President. CHARLES H. HAHN, Secretary. 

Home Office, 93 State Street. 

Income. 

Net fire premiums, $319,924 61 

Gross interest on mortgages $10,585.23; stocks and bonds, 
$28,904.72; bank deposits, $440, gross rents, including $1,500 
for company's own occupancy, $6,207.41, . . . 46,137 36 



124 



ALBANY INSURANCE CO. 



Gross profit on sale of bonds, 
McElroy and Hahn agency, 
Borrowed money, . 

Total income, 
Ledger assets, Dec. 31, 1909, 

Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, including $1,500 for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, . . . 

Taxes on real estate, . . . •. . 
State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Borrowed money repaid, . . . 

Interest on borrowed money, . . . . 

All other disbursements, ..... 

Total disbursements, . . 

Balance, ....... 

Ledger Assets. 
Book value of real estate, ..... 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, . ... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . 

Total ledger assets, . . . . 

Non-Ledger Assets. 
Interest accrued on : — 

Mortgages, $1,039.63; bonds, $4,057.46, 

Rents due on company's property, ...... 

Gross assets, . 

Assets not admitted. 

Agents' balances over three months due, . . . $1,168 63 
Book value of stocks and bonds over market value, . 299 00 



$1,731 25 
4,017 83 
5,000 00 


$376,811 05 
922,147 97 


$1,298,959 02 


$148,922 29 

3,114 48 

25,000 00 

83,140 35 

15,943 97 

1,555 00 


2,776 97 
1,792 55 


186 19 


442 78 


3,358 48 

2,904 89 

479 50 


2,213 08 

1,288 39 
3,822 38 


502 00 


3,623 72 

5,000 00 

6 67 


163 78 


$306,237 47 


$992,721 55 


$75,000 00 
234,100 00 


621,709 00 
4,237 39 
5,042 88 


11,000 00 
41,632 28 


$992,721 55 



5,097 09 
669 02 



Admitted assets, 



$998,487 66 



1,467 63 
$997,020 03 



ALBANY INSURANCE CO. 



125 



Liabilities. 
$6,449.83 resisted, 



Unpaid losses, including 

reinsurance, $2,155.07, .... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, . 

Cash capital, ...... 

Surplus over all liabilities, 

Surplus to policy holders, . . . . - 



$36,378.76 



less 



$250,000 00 

418,777 54 



Total liabilities, including surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$56,408,428 00 
39,560,795 00 

$95,969,223 00 
35,671,077 00 

$60,298,146 00 
5,167,798 00 



$34,223 69 

287,934 32 

83 70 

6,000 78 

$328,242 49 



668,777 54 
$997,020 03 



Premiums. 

$567,261 08 
410,405 32 

$977,666 40 
376,412 84 

$601,253 56 
49,314 03 



$55,130,348 00 $551,939 53 



Miscellaneous. 

Net premiums received from reorganization of company, . 

Net losses paid from reorganization of company, 

Cash dividends declared from reorganization of company, . 

Stock dividends declared from reorganization of company, 

Fire losses incurred during the year, .... 

Dividends declared during the year (10 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Stocks and Bonds owned by the 



Railroad Stocks. 
50 shares Conn. R.R. & Lighting Co., preferred, 
50 " Detroit and Mackinac, preferred, 

Bank Stocks. 
50 shares N. Y. State National, Albany, . 

Miscellaneous Stocks. 
100 shares American Gas & Electric Co., pref., 
100 " American Tobacco Company, pref., 
100 " Electrical Securities Cor., pref., 
100 " Mackay Companies, preferred, . 

Railroad Bonds. 
Atlanta, Knoxville & Northern 1st 5s, 1946, 
Central Pacific 1st refunding 4s, 1949, 
Chicago, Burlington & Quincy 4s, 1958, 
Chicago, Burlington & Quincy joint 4s, 1921, 

Columbus 4s, 1939, 

Delaware & Hudson conv. 4s, 1916, . 
Detroit & Mackinac general 4s, 1995, . 
Houston, East & West Texas 1st 5s, 1933, . 
Interborough Metropolitan col. trust 4|s, 1956, 
Lake Shore & Michigan Southern 4s, 1928, 
Milwaukee Elec. Ry. & Light Co. 4|s, 1931, 
New York Central & Hudson River 4s, 1934, 



Book Value. 

$4,000 00 

5,000 00 

14,654 00 

4,225 00 

10,450 00 

9,100 00 

7,050 00 

20,750 00 

4,875 00 

4,931 25 

9,650 

4,275 

5,500 

9,658 

5,275 

8,187 

9,900 
11,970 



14,650 00 



00 
00 
00 
00 
00 
50 
00 
00 



10,000 00 



54,277,539 61 

2,163,486 62 

627,500 00 

50,000 00 

158,445 65 

25,000 00 

38,200 00 



Company. 

Rate. Market Value. 
80 $4,000 00 

98 4,900 00 

293 

86 
95 

83 
76 

112 

97 

97 

96 

81 

98 

90 
104 

79 

94 

93 

94 



4,300 
9,500 
8,300 
7,600 



00 
00 
00 
00 



00 
00 
00 
00 
00 
00 



22,400 

4,850 

4,850 

9,600 

4,050 

4,900 

9,000 00 

5,200 00 

7,900 00 

9,400 00 
11,160 00 

9,400 00 



126 



THE ALLEMANNIA FIRE INSURANCE CO. 



Northern Pacific general 3s, 2047, 

Pennsylvania convertible 3|s, 1915, 

St. Louis & San Francisco refunding 4s, 1951, 

Schenectady 1st 4fs, 1941, 

Springfield & Eastern 5s, 1922, . 

Texas Central 5s, 1923, .... 

Union of New York 5s, 1942, 

Union Pacific convertible 4s, 1927, 

Union Traction Co. of Albany & Troy 4|s, 1919, 

Union Trac. Co. of Albany & Troy cons. 4|s, 2004, 

Virginia & Southwestern 5s, 2003, 

Virginia & Southwestern 1st consol. 5s, 1958, 

Wabash 1st 5s, 1939 

Wabash (Chicago & Detroit Ex.) 5s, 1941, . 
Watervliet Turnpike & Railway 6s, 1919, . 
Western N. Y. & Pennsylvania 5s, 1937, 

Miscellaneous Bonds. 
American Tobacco Co. 4s, 1951, 
American Tube & Stamping Co. 5s, 1932, 
Colorado Fuel & Iron Company 5s, 1943, . 
Consumers Gas Co., Chicago, 5s, 1936, 
Electrical Securities Corporation 5s, 1936, . 
Equitable Gas & Electric, Utica, 5s, 1942, . 
Kings County Electric Lt. & Power Co. 6s, 1997 
Kings County Lighting 1st ref. 5s, 1954, 
Laclede Gas Light Co., St. Louis, 5s, 1934, 
Montreal Light, Heat and Power Co. 4£s, 1932, 
National Electric Lamp Company 5s, 1932, 
N. Y. Gas & Electric Lt., Ht. & Pow. Co. 5s, 1948 
Pacific Telephone & Telegraph Co. 5s, 1937, 
Peoples' Gas Light Cons., Chicago, 6s, 1943, 
Scranton Electric Co. 1st ref. 5s, 1937, 
Union El. Lt. & Power, St. Louis, 5s, 1932, 
United El. Lt. & Power, Baltimore, 4£s, 1929, 
United States Rubber Company 6s, 1918, . 
United States Steel Corp. 5s, 1963, . 
Utica Gas & Elec. Co. ref. and ext. 5s, 1957, 
Watertown Light & Power Co. 1st 5s, 1959, 



Book Value. 


Rate. 


Market Value. 


$3,554 25 


71 


$3,550 00 


4,560 


00 


96 


4,800 00 


24,000 


00 


81 


19,440 00 


8,120 


00 


100 


8,000 00 


5,342 


00 


100 


5,000 00 


25,050 


00 


104 


26,000 00 


10,000 


00 


102 


10,200 00 


4,687 


50 


104 


5,200 00 


15,140 


00 


97 


14,550 00 


25,275 


00 


97 


24,250 00 


25,632 


00 


110 


27,500 00 


29,550 


00 


95 


28,500 00 


25,000 


00 


109 


27,250 00 


: 9,885 


00 


108 


10,800 00 


16,060 


00 


107 


16,050 00 


25,000 


00 


111 


27,750 00 


12,075 


00 


80 


12,000 00 


12,480 


00 


90 


11,700 00 


10,150 


00 


98 


9,800 00 


5,350 


00 


101 


5,050 00 


10,000 


00 


99 


9,900 00 


8,000 


00 


103 


8,240 00 


5,950 


00 


114 


5,700 00 


30,300 


00 


100 


30,000 00 


5,150 


00 


101 


5,050 00 


5,125 


00 


100 


5,000 00 


13,500 


00 


92 


13,800 00 


5,500 


00 


103 


5,150 00 


4,837 


50 


100 


5,000 00 


15,922 


50 


117 


17,550 00 


4,800 


00 


102 


5,100 00 


7,000 


00 


101 


7,070 00 


9,500 


00 


93 


9,300 00 


5,150 


00 


103 


5,150 00 


25,062 


50 


104 


26,000 00 


4,625 


00 


101 


5,050 00 


4,925 


00 


100 


5,000 00 


$621,709 


00 


$621,410 00 



THE ALLEMANNIA FIRE INSURANCE COMPANY, PITTSBURGH, PA. 

Incorporated April 1, 1868. Commenced business July 1, 1868. 

Cash Capital, $200,000. 

W. STEINMEYER, President. C. P. KELLERMAN, Secretary. 

Home Office, 316 Fourth Avenue, Pittsburgh, Pa. 

Income. 
Net fire premiums, ........ $775,725 11 

Gross interest on mortgages, $53,888.26: collaterals, $1,455; 

stocks and bonds, $15,193.63; bank deposits, $1,689.84,. . 72,226 73 



Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 
Commissions or brokerage, .... 
Agency expenses, ...... 



. $847,951 84 
. 1,408,336 94 

. $2,256,288 78 



$387,075 54 

7,436 88 

30,000 00 

216,525 31 

3,702 22 



THE ALLEMANNIA EIRE INSURANCE CO. 



127 



Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross decrease in book value of bonds, 

Agents' balances charged off, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Loans secured by collateral (schedule A), 

Book value of slocks and bonds (schedule B), . 

Cash in office, 

Deposits in trust companies and banks on interest, 

Agents' balances, ...... 

Bills receivable, ...... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $14,598; bonds, $2,607; collateral loans, $146.50; 

dividends on stocks, $730, ....... 

Market value of real estate over book value, .... 

Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . . $1,914 23 

Dividends on stocks, ...... 730 00 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $5,563.26 resisted, $75,317.46; less 

reinsurance, $5,740.09, . . . . 

Unearned premiums on outstanding risks, . . 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 



$19,497 30 


38,773 92 


5,384 19 


10,584 71 


2,855 80 


1,225 01 


3,637 32 


3,052 93 


8^68 01 


7,567 14 


282 00 


64 63 


232 30 


8,571 09 


3,709 50 


2,037 41 


85 00 


1,207 43 


993 05 


$763,068 69 


$1,493,220 09 


$32,748 99 


942,529 00 


27,000 00 


257,825 50 


13,087 74 


105,088 72 


106,291 43 


8,648 71 


$1,493,220 09 



18,081 50 
1,001 42 

45,824 50 

$1,558,127 51 



2,644 23 
$1,555,483 28 



$69,577 37 

728,934 26 

3,433 75 

1,700 00 



128 



THE ALLEMANNIA FIRE INSURANCE CO. 



State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 

Total, . . 
Cash capital, 

Surplus over all liabilities, .... 
Surplus to policy holders, . . . . - 



$200,000 00 
538,571 90 



Total liabilities, including surplus, 

Risks and Premiums. 



$10,000 00 
3,266 00 

$816,911 38 



738,571 90 
$1,555,483 28 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$133,417,195 00 
95,742,914 00 

$229,160,109 00 
80,664,158 00 

$148,495,951 00 
12,912,951 00 



Premiums. 

$1,428,399 67 
1,024,927 16 

$2,453,326 83 
904,154 46 

$1,549,172 37 
139,849 90 



$135,583,000 00 $1,409,322 47 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (15 per cent.), 
Par value of company's stock owned by directors, 



$12,338,948 02 

5,849,772 92 

558,600 00 

50,000 00 

374,828 59 

30,000 00 

42,400 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
$5,900 00 
15,600 00 \ 
2,970 00 ' 
10,500 00 
7,500 00 / 

$42,470 00 



Policy State Mutual Life Assurance Co., 
153 shares Pittsburgh Plate Glass Co., 

18 " Colonial Trust Co., .... 
100 " National Lead Co., preferred, 
100 " Crucible Steel Co. of America, preferred, 



Loaned 
Thereon. 
$3,000 00 

15,000 00 
9,000 00 



$27,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



Bank Stocks. 
92 shares Bessemer Trust Co., Braddock, Pa., 
148 " Braddock National, . 

Miscellaneous Stocks. 
1 share Western Adj. & Ins. Co., Chicago, 
Municipal Bonds. 
Fairmont, W. Va., Palatine School 4§s, 1915, 
Glassport, Pa., 5s, 1911, . 
Glassport, Pa., 5s, 1912, 
Glassport, Pa., 5s, 1913-14, 
Glassport, Pa., 5s, 1915, . 
Glassport, Pa., 5s, 1916-17, 
Glassport, Pa., 5s, 1918-19, 
Glassport, Pa., 5s, 1920-21, 
Glassport, Pa., 5s, 1922-23, 
Glassport, Pa., 5s, 1924-26, 
Glassport, Pa., 5s, 1927-28, 
Glassport, Pa., 5s, 1929-31, 
Glassport, Pa., 5s, 1932-35, 
Glassport, Pa., 5s, 1936-37, 



Book Value. 

$9,200 00 

8,288 00 

200 00 

19,062 50 



49,000 00 



Rate. 
120 
375 

200 

100 
100 
101 
102 
103 
104 
105 
106 
107 
108 
109 
110 
111 
112 



Market Value. 

$11,040 00 

55,500 00 

200 00 

19,000 00 
1,000 00 
1,010 00 
2,040 
1,030 
2,080 
2,100 
4,240 



00 
00 
00 
00 
00 



4,280 00 
6,480 00 
4,360 00 
6,600 00 
11,100 00 
6,720 00 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



129 



New Brighton, Pa., School 5s, 1913, . 
New Brighton, Pa., School 5s, 1915, . 
New Brighton, Pa., School 5s, 1917, . 
New Brighton, Pa., School 5s, 1919-21, 
New Brighton, Pa., School 5s, 1923, . 
New Brighton, Pa., School 5s, 1925, . 

Railroad Bonds. 
Ft. Wayne & Wabash Valley Trac. Co. 5s, 1934, . 
Indiana, Col. & Eastern Trac. Co. 5s, 1926, 
Pittsburg & Butler Street 5s, 1935, . 
Youngstown & Sharon Ry. & Lt. Co. 5s, 1931, 

Miscellaneous Bonds. 
Greenville, Pa., Water Co. 5s, 1932, . 
Keystone C. & Coke Co., Greensburg, Pa., 6s, 1922, 
Monongahela Riv. Cons. C. & Coke Co. 6s, 1949, 
Mt. Pleasant Coke Co., Greensburg, Pa., 6s, 1923, 
Pittsburg-Buffalo Co. 5s, 1929, .... 



Book Value. 


Rate. 


Market Value. 






101 


$2,020 00 






103 


3,090 00 


- $16,000 


00; 


104 
105 


2,080 00 
5,250 00 






106 


3,180 00 


- 




107 


1,070 00 


19,000 


00 


77 


15,400 00 


9,650 


00 


87 


8,700 00 


10,000 


00 


75 


7,500 00 


26,650 


00 


94 


25,380 00 


30,000 


00 


100 


30,000 00 


29,850 


00 


100 


30,000 00 


10,950 


00 


112 


11,200 00 


10,000 


00 


100 


10,000 00 


9,975 


00 


100 


10,000 00 


$257,825 


50 


$303,650 00 



THE ALLIANCE INSURANCE COMPANY OF PHILADELPHIA, 

PHILADELPHIA, PA. 

Incorporated Dec. 5, 1904. Commenced business Jan. 1, 1905. 

Paid-up Capital, $500,000. 

EUGENE L. ELLISON, President. HENRY W. FARNUM, Secretary. 

Home Office, 232 Walnut Street. 

Income. 

Net fire premiums, $664,602.75; marine, $275,745.36, 
Deposit premiums on perpetual risks; .... 
Gross interest on stocks and bonds, $61,439.36; bank deposits 

$2,083.18; all other, $77.48, 

Gross profit on sale or maturity of stocks and bonds, 
Agents' balances previously charged off, .... 
From all other sources, ....... 



Total income, ..... 

Ledger assets, Dec. 31, 1909, . . . . . 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, $313,462.54 

marine, $154,093.59, 

Expenses of adjustment and settlement of losses, 
Deposit premiums returned, .... 

Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, . . ... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, . . ... 

Underwriters' boards and tariff associations, 



. $940,348 11 
1,490 15 


63,600 


02 


11,925 00 


1 


39 


2 


50 


. $1,017,367 17 
. 1,670,983 95 


. $2,688,351 


12 


.' $467,556 13 , 
5,171 45 


170 


00 


30,000 00 
220,479 65 


9,579 


19 


8,273 27 
27.598 96 


3,321 
7,164 
4,354 


00 
62 
36 


2,543 


59 


104 30 


1,124 47 
6,810 97 



130 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

State taxes on premiums, 

Insurance department licenses and fees, . . v 

Other licenses, fees and taxes, .... 

Interest to scrip holders,* ..... 
All other disbursements, ..... 

Total disbursements, ..... 

Balance, ..... 



Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 

Agents' balances, . . • . . 

Bills receivable, ...... 



Total ledger assets, 



Non-Ledger Assets. 



$359 91 

57,853 00 

1,540 00 



Interest accrued on bonds, . . 

Salvage, . . . - . 

Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 
Book value of stocks and bonds over market value, 
Salvage, ....... 

Admitted assets, ....... 

Liabilities. 
Unpaid losses, including $2,500 resisted, $111,273; less reinsur 
ance, $6,516, ....... 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, ... 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, ...... 



$1,242 61 
555 28 

11,747 60 
3,390 05 
4,504 09 

11,660 81 
1,445 45 

$828,797 85 

$1,859,553 27 



$1,570,200 00 

197 07 

158,776 55 

129,421 08 

958 57 

$1,859,553 27 



9,667 89 
1,540 00 

$1,870,761 16 



Total, . 
Cash capital, .... 

Surplus over all liabilities, 

Surplus to policy holders, 

Total liabilities, including surplus, 



$500,000 00 
572,061 94 



59,752 91 
$1,811,008 25 



$104,757 00 

597,598 56 

11,136 83 

3,350 01 

12,750 00 

6,600 00 

2,753 91 

$738,946 31 



1,072,061 94 
$1,811,008 25 



* During 1906 the Insurance Commissioner of Pennsylvania required the company to make an assess- 
ment of $10.86 per share to make good an impairment caused by the San Francisco fire. In addition 
to this assessment, stockholders holding 46,944 shares voluntarily advanced $4.14 per share to the surplus, 
receiving therefor scrip certificates bearing 6 per cent, interest and redeemable out of the net earnings 
of the company. 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



131 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



Marine risks in force Dec. 31, 1909, 
Marine risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

. $76,706,017 00 



76,249,014 00 

$152,955,031 00 
65,327,101 00 

$87,627,930 00 
9,925,927 00 

$77,702,003 00 

$389,800 00 

$6,873,123 00 
36,935,293 00 

$43,808,416 00 
33,720,045 00 

$10,088,371 00 
1,077,104 00 



Premiums. 

$949,654 97 
917,724 13 

$1,867,379 10 
817,229 86 

$1,050,149 24 
129,879 65 

$920,269 59 

$12,374 25 

$228,014 37 
412,607 71 

$640,622 08 
384,411 82 

$256,210 26 
25,491 73 



$9,011,267 00 $230,718 53 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, . 
Dividends declared during the year (6 per cent.), 
Par value of company's stock owned by directors, 



Schedule A. Stocks and Bonds owned by the 



New York, N. Y 
Philadelphia, Pa 
Philadelphia, Pa 



Railroad Stocks. 
1,000 shares Norfolk & Western, 

County and Municipal Bonds. 
Atlanta, Ga., 3£s, 1931, . 
Luzerne County, Pa., 4}s, 1919-20, 
New York, N. Y., 3£s, 1954, 

4s, 1959, 

3§s, 1932, 

3Js, 1934, 
Railroad Bonds. 
Baltimore & Ohio prior lien 3|s, 1925, 
Central Pacific 1st ref. 4s, 1949, 
Central Pacific (Through Short Line) 4s, 1954, 
Chesapeake & Ohio equipment 4s, 1913, 
Chesapeake & Ohio equipment 4s, 1914, 
Chicago & Eastern Illinois ref. 4s, 1955, 
Chicago, Burl. & Quincy general 4s, 1958, . 
Cleve., Cin., Chicago & St. L. notes, 5s, 1911, 
Coal River 1st 4s, 1945, .... 
Consolidated Traction, N. J., 5s, 1933, 
Erie (Buffalo & Southwestern) 5s, 1918, 
Erie equipment 4s, 1914, .... 
Jefferson 1st extended 5s, 1919, 
Lake Shore & Michigan Southern deb. 4s, 1928, 
Long Island Ferry 1st 4|s, 1922, 



Book Value. 
$98,050 00 



$4,384,361 45 

3,043,028 31 

80,000 00 

311,653 54 

151,953 59 

30,000 00 

32,710 00 

Company. 

Rate. Market Value. 
100 $100,000 00 



10,000 
20,950 

205,250 
50,570 
30,442 

175,108 

9,200 
33,425 
47,125 
16,622 
32,234 
19,100 
19,325 
24,292 
14,475 
27,197 
14,812 
23,210 
12,030 
50,062 
15,225 



00 
00 
00 
00 
50 
25 

00 
00 
00 
60 
40 
00 
00 
75 
00 
50 
50 
00 
00 
50 
00 



91 
104 

88 
100 

95 

94 

93 
97 
92 
99 
98 
83 
97 

100 
86 

104 
96 
97 

104 
94 
98 



9,100 
20,800 

176,000 
50,000 
28,215 

160,082 



00 
00 
00 
00 
00 
00 



9,300 00 
33,950 00 
46,000 
16,830 
32,340 
16,600 
19,400 
25,000 
12,900 
26,000 
14,400 
24,250 00 
12,480 00 
47,000 00 
14,700 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 



132 



AMERICAN INSURANCE CO. 



Mobile & Ohio equipment 5s, 1912, 

New York Central & Hudson Riv. deb. 4s, 1934 

Norfolk & Western 4s, 1932, 

Norfolk & Western 1st general 4s, 1944, 

Nor. & West. Ry. & Poca. C. & C. Co. 4s, 1941, 

Pennsylvania & Northwestern general 5s, 1930, 

Pennsylvania convertible 3|s, 1915, 

Public Service Corporation, N. J., gen. 5s, 1959, 

Reading Co. (Jersey Central col.) 4s, 1951, 

Richmond-Washington coll. trust 4s, 1943, . 

Rio Grande Western consol. 1st 4s, 1949, 

Southern Pacific 1st ref. 4s, 1955, 

Terminal Asso. of St. Louis, gen. ref. 4s, 1953, 

Washington Terminal 1st Sis, 1945, . 

Miscellaneous Bonds. 
Lehigh & Wilkes Barre Coal Co. 5s, 1912, . 
Manufacturers' Water Co. 1st 5s, 1939, 
Minneapolis Gas Light Co. 1st gen. 5s, 1930, 
Philadelphia Electric Co. 5s, 1948, 
United States Steel Corporation 5s, 1963, . 



Book Value. 


Rate. 


Market Value. 


$14,517 


00 


100 


$15,000 00 


50,062 


50 


94 


47,000 00 


6,000 


00 


101 


6,060 00 


45,800 


00 


93 


46,500 00 


23,906 


25 


89 


22,250 00 


25,156 


25 


109 


27,250 00 


8,900 


00 


96 


9.600 00 


48,000 


00 


96 


48,000 00 


49,578 


75 


98 


49,000 00 


10,350 


00 


98 


9,800 00 


22,968 


75 


84 


21,000 00 


14,175 


00 


95 


14,250 00 


49,625 


00 


98 


49,000 00 


47,837 


50 


89 


48,950 00 


14,385 


00 


101 


14,140 00 


10,162 


50 


102 


10,200 00 


50,290 


00 


100 


50,000 00 


51,170 


00 


102 


51,000 00 


78,607 


50 


104 


78,000 00 


81,570,200 


00 


$1,512,347 00 



AMERICAN INSURANCE COMPANY, NEWARK, N. J. 

Incorporated Feb. 20, 1846. Commenced business April 1, 1846. 

Paid-up Capital, $1,000,000. 

PHILEMON L. HOADLEY, President. C. WESTON BAILEY, Secretary. 

Home Office, 70 Park Place. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $76,236.91; stocks and bonds, 
$256,304.04; bank deposits, $2,770.42; all other, $1,870.48; 
gross rents, including $14,151.46 for company's own occupancy, 
$22,898.84, 

Agents' balances previously charged off, ..... 



$3,608,526 22 



360,080 69 
151 43 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 



. $3,968,758 34 
. 8,516,056 43 

$12,484,814 77 



$1,675,371 18 

44,439 17 

200,991 79 

58 00 

910,344 20 

96,573 72 

145,523 48 

14,151 46 

28,856 33 

27,368 15 

1,357 83 

3.012 85 

7,840 76 

19,850 36 

29,575 24 

20,075 04 

1,025 52 



AMERICAN INSURANCE CO. 



133 



Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

Collecting premium notes, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, . . . ... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $21,061.63; bonds, $55,167.23, 

Gross assets,* ...... 



$6,813 22 
57,870 46 
18,248 42 
15,176 09 
24,370 35 
4,503 77 
2,019 45 
19,469 17 

$3,374,886 01 

$9,109,928 76 



$468,000 00 

1,615,205 25 

6,001,870 34 

322 83 

25,000 00 

200,828 02 

501,870 56 

296,831 76 

$9,109,928 76 



76,228 86 
$9,186,157 62 



Assets not admitted. 

Agents' balances over three months due, . . $1,120 11 

Bills receivable, past due, taken for premiums, 33,019 73 

Book value of stocks and bonds over market value, 108,700 34 



Admitted assets, . . . 

Liabilities. 

Unpaid losses, including $13,127.97 resisted, $373,145.74; less 
reinsurance, $63,566.47, ..... 

Unearned premiums on outstanding risks, 
Dividends due stockholders, $50,000; policy holders, $98, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Taxes, due or accrued, ....... 

Special reserve fund, ...... 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$1,000,000 00 
2,620,634 13 



142.840 18 



$9,043,317 44 



$309,579 27 

4,553,041 75 

50,098 00 

500 00 

168,464 29 

41,000 00 

300,000 00 

$5,422,683 31 



3,620,634 13 
$9,043,317 44 



* Including $300,000 special reserve held under New Jersey laws. The company holds also instalment 
premium notes to the amount of $222,337.22, which do not enter into or form any part of the assets of the 
company, as no portion of them is earned. Whatever value is attached to them would necessarily be 
counterbalanced by the addition of an amount exactly equal to the reinsurance liability, the entire sum 
consisting of "unearned premiums." 



134 



AMERICAN INSURANCE CO. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, 
Expired and terminated,* 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$838,351,533 00 
462,604,555 00 



Premiums. 

$8,992,181 92 

4,873,999 85 



$1,300,956,088 00 $13,866,181 77 
386,550,129 00 4,259,644 83 



$914,405,959 00 $9,606,536 94 
65,827,718 00 745,485 33 



$848,578,241 00 $8,861,051 61 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (20 per cent.), 
Par value of company's stock owned by directors, 



$38,529,546 71 

18,123,218 25 

3,488,058 26 

600,000 00 

1,727.000 23 

200,000 00 

115,410 00 



Schedule A. Stocks and Bonds owned by the Company. 



400 
200 

1,000 
500 
700 
300 
500 

5,000 
200 
500 
500 

1,050 
300 

2,000 



Railroad Stocks. 
shares Atch., Top. & Santa Fe, preferred, 
" Baltimore & Ohio, preferred, 
" Chic, Mil. & St. Paul, preferred, 
" Chic. & Northwestern, 
" Great Northern, preferred, 
" Illinois Central, 
" Louisville & Nashville, . 
" Morris & Essex, 

N. Y., New Haven & Hartford, 
" Norfolk & Western, 
" Northern Pacific, . 
" Pennsylvania, 

" Pitts., Cin., Chicago & St. L., pref. 
" United N. J. R.R. & Canal Co., 



Miscellaneous Stocks. 

500 shares American Tel. & Tel. Co., 

8 " General Adj. Bureau of New York, 

500 " Pullman Co., .... 
5 " Underwriters' Sal. Co., Chicago, 
5 " Underwriters' Sal. Co., New York, 
1 share Western Adj. & Insp. Co., Chicago, 

Government Bonds. 
District of Columbia 3.65s, 1924, 
United States 2s, 1930, . . 

County and Municipal Bonds. 
Bayonne, N. J., 5s, 1928, . 
Essex County, N. J., Hospital 4s, 1947-49, . 
Madison, N. J., Road 4fs, 1916, 
Madison, N. J., Road 4§s, 1916 op. 1911-14, 
Newark, N. J., School 4s, 1957, 
Newark, N. J., temporary 5s, 1911, . 

Railroad Bonds. 
Central of New Jersey general 5s, 1987, 
Consolidated Traction Co. 5s, 1933, . 
Easton & Amboy 5s, 1920, 
Lehigh Valley Terminal 1st 5s, 1941, 
Midland of New Jersey 5s, 1940, 



Book Value. 

$41,725 00 
18,525 00 

159,900 00 
75,562 50 
94,137 50 
44,537 50 
71,262 50 

461,334 64 
31,259 38 
50,287 50 
68,875 00 
70,637 50 
34,287 50 

520,927 50 

70,637 50 
400 00 

82,245 00 
500 00 
500 00 
100 00 

33,689 97 
30,000 00 

136,906 25 
203,118 78 
1,000 00 
8,000 00 
101,860 00 
100,000 00 

301,650 97 
131,361 19 
230,215 68 
246,379 46 
124,649 50 



Rate. 
103 
91 
146 
145 
123 
132 
145 
182 
151 
100 
116 
129 
109 
245 

143 
100 
159 
100 
125 
200 

105 
101 

110 

101 
101 
100 
101 
100 

122 
104 
107 
113 
111 



Market Value. 

$41,200 00 
18,200 00 

146,000 00 
72,500 00 
86,100 00 
39,600 00 
72,500 00 

455,000 00 
30,200 00 
50,000 00 
58,000 00 
67,725 00 
32,700 00 

490,000 00 

71,500 00 
400 00 

79,500 00 
500 00 
625 00 
200 00 

31,500 00 
30,300 00 

137,500 00 
202,000 00 
1,010 00 
8,000 00 
101,000 00 
100,000 00 

289,140 00 
126,880 00 
230,050 00 
254,250 00 
126,540 00 



* Actual amount of terminations and cancellations has been reduced to adjust the difference between 
gross premiums on risks reinsured by the company and the amount actually received. 



AMERICAN CENTRAL INSURANCE CO. 



135 



Morris & Essex 1st 7s, 1914, 

Morris & Essex 1st consolidated 7s, 1915, 

Newark Passenger 5s, 1930, 

New York & Greenwood Lake 5s, 1946, 

New York, Susquehanna & West. Term. 5s, 1943 

North Hudson County 5s, 1928, 

Trenton Passenger consolidated 6s, 1923, 

Trenton Passenger consolidated 6s, 1925, 

Trenton Passenger consolidated 6s, 1926, 

Trenton Passenger consolidated 6s, 1927, 

Trenton Passenger consolidated 6s, 1928, 

Trenton Passenger consolidated 6s, 1931, 

United New Jersey R.R. & Canal gen. 4s, 1929, 

United New Jersey R.R. & Canal gen. 4s, 1944, 

West Jersey & Seashore 1st 3§s, 1936, 

West Jersey & Seashore 1st 4s, 1936, 

Miscellaneous Bonds. 
American Dock & Improvement Co. 5s, 1921, 
Long Dock consolidated 6s, 1935, 
N. Y., L. Erie & West. Docks & Imp. Co. 6s, 1913, 
Newark Gas Co. 6s, 1944, .... 



Book Value. 

$43,501 11 

240,392 00 

139,124 91 

139,835 44 

163,825 71 

130,517 10 

2,296 20 

3,493 02 

3,523 80 

4,732 91 

5,953 45 

30,152 47 

51,705 17 

104,800 00 

14,641 50 

100,000 00 

366,629 84 

441,252 11 

205,180 18 

263,840 10 

i,001,870 34 



Rate. 
110 
112 
108 
100 
110 
103 
112 
113 
114 
114 
115 
116 
102 
102 
92 
100 

109 
125 
102 
129 



00 
00 
00 
00 
00 



Market Value. 

$44,000 00 

246.400 00 

135,000 00 

131,000 00 

158,400 00 

128,750 00 

2,240 

3,390 

3,420 

4,560 

5,750 

29,000 00 

51,000 00 

102,000 00 

13,800 00 

100,000 00 

370,600 00 
445,000 00 
199,920 00 
268,320 00 

$5,893,170 00 



AMERICAN CENTRAL INSURANCE COMPANY, ST. LOUIS, MO. 

Incorporated February, 1853. Commenced business February, 1853. 

Paid-up Capital, $2,000,000. 

EDWARD T. CAMPBELL, President. B. G. CHAPMAN, Jr., Secretary. 

Home Office, 816 Olive Street. 

Income. 

Net fire premiums, $2,673,372 49 

Gross interest on mortgages, $1,794; collaterals, $22,419.55; 

stocks and bonds, $209,921.74; all other, $2,080.19, . . 236,215 48 
Gross profit on sale of bonds, ....... 3,439 37 

From all other sources, ...... 37 50 

Total income, . . . . 

Ledger assets, Dec. 31, 1909, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, . . . . . 

State taxes on premiums, ..... 





$2,913,064 84 
5,321,755 36 


$8,234,820 20 




$1,335,172 15 

19,048 61 

240,000 00 




493,547 63 
92,178 13 

147,527 50 
91,952 69 
12,069 70 




28,021 43 




25,820 55 




4,171 68 
4,295 84 




9,297 27 
29,951 70 




5,400 37 
15,700 22 
44,603 03 



136 



AMERICAN CENTRAL INSURANCE CO. 



Insurance department licenses and fees, . 
Other licenses, fees and taxes, . , / . 

Gross loss on sale of bonds, ..... 

Total disbursements, . .... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . . . 

Bills receivable, ....... 

All other ledger assets, ..;... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $358.80; bonds, $24,609.24; collateral loans, $875, . 
Market value of stocks and bonds over book value, . 

Gross assets, . . . . . . . 

Assets not admitted. 
Agents' balances over three months due, . 
Special deposits $15,045; liabilities in offset, $15,045. 

Admitted assets, . . ...... 

Liabilities. 
Unpaid losses, including $28,332.50 resisted, $405,236.77; less 

reinsurance, $109,885.11, . . _ . 
Unearned premiums on outstanding risks, 
Dividends due stockholders, . 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, ...... 

Cash capital, . . . 

Surplus over all liabilities, 
Surplus to policy holders, 



$2,000,000 00 
892,821 31 



$32,068 55 

100 00 

1,375 00 

$2,632,302 05 

$5,602,518 15 



$29,900 00 

461,900 00 

4,371,010 98 

1,017 84 

203,376 75 

50,000 00 

482,691 67 

1,815 35 

805 56 

$5,602,518 15 



25,843 04 

44,728 02 

$5,673,089 21 



37,271 78 
$5,635,817 43 



$295,351 66 

2,393,473 79 

808 48 

3,362 19 

50,000 00 

$2,742,996 12 



Total liabilities, including surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$441,862,820 00 
326,786,022 00 

$768,648,842 00 
288,561,265 00 

$480,087,577 00 
67,208,222 00 



2,892,821 31 
$5,635,817 43 



Premiums. 

$5,111,309 20 
3,950,487 50 

$9,061,796 70 
3,628,689 54 

$5,433,107 16 
833,423 78 



$412,879,355 00 $4,599,683 38 



AMERICAN CENTRAL INSURANCE CO. 



137 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (12 per cent.), 

Par value of company's stock owned by directors, 



$42,834,529 13 

22,924,744 17 

3,097,931 00 

1,416,711 29 

240,000 00 

442,500 00 



996 shares Broadway Real Estate Co., St. Louis, 



700 
490 
500 
400 
1,000 
200 
119 
100 



Wagner Electric Mfg. Co., St. Louis, 
National Bank of Commerce, St. Louis, 
Westinghouse Air Brake Co., Pittsburgh, 
Chicago Ry. Equipment Co., . 
North American Co., N. J., 
Third National Bank, St. Louis, 
Wagner Electric Mfg. Co., St. Louis, 
Underwriters' Building Co., N. Y., preferred, 



Underwriters' Building Co., N. Y., 1st 5s, 1928, 



00 
00 
00 
00 
00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
$149,400 00 
87,500 
101,920 
69,000 
29,200 
65,500 
65,800 00 / 
14,875 00 
5,000 00 \ 
25,000 00 / 



Loaned 
Thereon. 



$325,000 00 



100,000 
11,900 
25,000 



00 
00 
00 



$613,195 00 $461,900 00 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
1,000 shares Pennsylvania, 
300 " United, preferred, St. Louis, 

Bank Stocks. 
100 shares Boatmen's, St. Louis, 
68 " Mechanics-American Nat., St. Louis, 
3,660 " National Bank of Com., St. Louis, 
200 " St. Louis Union Tr. Co., St. Louis, 
250 " Third National, St. Louis, 

Miscellaneous Stocks. 
2 shares General Adj. Bureau, N. Y., 
500 " Hargadine-McKittrick Dry Goods 
Co., St. Louis, 1st preferred, . 
57 " Laclede Gas Light Co., pref., St. L., 
5 " St. Louis Coliseum Co., St. Louis, 

4 " Southern Adj. Bureau, Atlanta, Ga. 

5 " Underwriters' Sal. Co., Chicago, 
300 " Union Sand & Material Co., St. L., 

1 «share Western Adj. & Insp. Co., Chicago, 
State, County and Municipal Bonds. 
Bowie County, Texas, 4|s, 1949, 
Dona Ana Countv, N. M., 6s, 1925, 
Enid, Okla., 5s, 1934, 
Fort Worth, Tex., 4s, 1941, 
Georgia 4fs, 1915, 

Newberry, S. C, School District 4£s, 1949, 
New York, N. Y., 4s, 1956, 
Peirce City, Mo., 5s, 1917, 
Portland, Ore., 4s, 1928, . 
Richmond, Va., 4s, 1940, . 
Selkirk, Manitoba, 5s, 1945, 
Selkirk, Manitoba, 5s, 1958-59, 
Winnipeg, Manitoba, 4s, 1928, 

Railroad Bonds. 
Atch., Topeka & Santa Fe adjustment 4s, 1995, 
B. & O., Pitts., Lake Erie & W. Va. 4s, 1941, 
Boston & Maine 4^s, 1929, 
Canadian Northern equipment 1st 4Js, 1917, 
Central of Georgia consolidated 5s, 1945, 
Central Pacific 1st refunding 4s, 1949, 
Chesapeake & Ohio general 4|s, 1992, 



Book Value. 


Rate. 


Market Value. 


$65,316 


86 


129 


$64,500 00 


24,275 


00 


37 


11,100 00 


11,800 


00 


243 


24,300 00 


3, 21,109 


81 


293 


19,924 00 


709,395 


11 


224 


819,840 00 


75,675 


00 


436 


87,200 00 


76,250 


00 


324 


81,000 00 


100 


00 


100 


100 00 


60,000 


00 


88 


44,000 00 


3,282 


00 


90 


5,130 00 


500 


00 


50 


250 00 


200 


00 


100 


200 00 


500 


00 


100 


500 00 


23,800 


00 


80 


24,000 00 


125 


00 


200 


200 00 


25,000 


00 


100 


25,000 00 


10,000 


00 


100 


10,000 00 


25,625 


00 


102 


25,500 00 


8,775 


00 


92 


8,280 00 


11,725 


00 


103 


10,300 00 


10,375 


00 


100 


10,000 00 


200,500 


00 


99 


198,000 00 


14,000 


00 


103 


14,420 00 


53,000 


00 


97 


48,500 00 


50,625 


00 


97 


48,500 00 


' } 5,285 


00 | 


104 
105 


520 00 
4,725 00 


.' 9,875 


00 


98 


9,800 00 


45,937 


50 


92 


46,000 00 


47,750 


00 


92 


46,000 00 


52,375 


00 


103 


51,500 00 


22,532 


50 


97 


24,250 00 


55,687 


50 


108 


54,000 00 


24,250 


00 


97 


24,250 00 


53,343 


75 


101 


50,500 00 



138 



AMERICAN CENTRAL INSURANCE CO. 



Chesapeake & Ohio Gen. Fund. & Im. 5s, 1929, 

Chicago, Burlington & Quincy 4s, 1921, 

Chicago City 1st 5s, 1927, 

Chicago, Milwaukee & St. Paul deb. 4s, 1934, 

Chicago Railways Co. 1st 5s, 1927, 

Chic, Rock Island & Pac. 1st and ref. 4s, 1934, 

Colorado & Southern ref. and ex. 4^s, 1935, 

Columbia & St. Louis 1st 4s, 1942, 

East St. L. & Suburban Co., N. J., coll. tr. 5s, 1932 

Fort Worth & Denver City 1st 6s, 1921, 

Fort Worth & Rio Grande 1st 4s, 1928, 

Houston Belt & Terminal 1st 5s, 1937, 

Illinois Central 1st and refunding 4s, 1955, 

Illinois Central, St. Louis Div. & Term. 3s, 1951 

Kanawha & Michigan 2d 5s, 1927, 

Kansas City, Fort Scott & Memp. ref. 4s, 1936, 

Kansas City Railway & Light Co. 5s, 1913, 

Kansas City Southern 1st 3s, 1950, 

Lake Shore & Michigan Southern deb. 4s, 1928, 

Lake Shore & Michigan Southern 4s, 1931, 

Little Rock & Hot Springs Western 4s, 1939, 

Missouri, Kansas & Texas 1st and ref. 4s, 2004, 

Missouri, Kansas & Texas notes, 5s, 1911, . 

Missouri Pacific 4s, 1945, .... 

New York Central Lines equip. 5s, 1914, 

New York Central Lines equip. 5s, 1915, 

Norfolk & Western Division 1st gen. 4s, 1944, 

Nor. Pac-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 

Oregon Short Line refunding 4s, 1929, 

Rock Island-Frisco Terminal 1st 5s, 1927, . 

St. Clair, Madison & St. Louis Belt 4s, 1951, 

St. L., Iron Mt. & So. unifying and ref. 4s, 1929, 

St. L., Iron Mt. & So. gen. consol. 5s, 1931, 

St. L., Iron Mt. & So. Riv. & Gulf 1st 4s, 1933, 

St. Louis Merchants' Bridge Co. 6s, 1929,. . 

St. Louis & San Francisco ref. 4s, 1951, 

St. Louis & San Francisco general 5s, 1927, 

St. Louis & San Francisco equip. 5s, 1915, . 

St. Louis Southwestern 1st consol. 4s, 1932, 

St. Louis & Suburban general 5s, 1923, 

Southern Pacific 1st refunding 4s, 1955, 

Tennessee Central general 5s, 1954, 

Tidewater Co. 1st 6s, 1913, 

Union Depot 1st 6s, 1918, 

Union Pacific, convertible 4s, 1927, 

United Railways Co. 1st general 4s, 1934, . 

Western Pacific 1st 5s, 1933, 

Miscellaneous Bonds. 
Commonwealth-Edison Co., Chicago, 1st 5s, 1943, 
Cons. G., El. Lt. & Pow. Co., Bait., col. tr. 5s, 1913, 
Cum. C. & C. Co., Jersey City, N. J., 6s, 1913, 
Frisco Annex Realty Co. 5s, 1928, 
Kinloch Long Distance Telephone Co. 5s, 1929, 
Laclede Gas Light Co. 1st 5s, 1919, . 
Lincoln Real Estate & Building Co. 6s, 1923, 
Missouri Electric Light & Power Co. 6s, 1921, 
Pacific Telephone & Telegraph Co. 5s, 1937, 
Peoples' Gas Light & Coke Co., Chicago, 5s, 1947 
Simmons Warehouse Co. 5s, 1915, 
Western Electric Co. 1st 5s, 1922, 
Wright Building Co., St. Louis, 5s, 1931, . 



Book Value. 
$50,468 75 

12,870 

47,810 

47,625 

25,187 

22,625 

24,343 

28,000 

47,250 

57,556 

23,025 

24,875 

24,937 
8,800 

24.000 

86,625 

24,250 

17,875 

23,812 

22,156 

27,868 

62,000 

24,750 

47,640 

49,000 

24,500 

21,781 

48,437 

23,468 75 

55,550 00 

30,430 

69,187 

26,875 

43,500 

75,000 

62,037 

44,750 

25,125 

39,905 

49,250 

23,843 75 
123,093 87 

49,250 
109,937 

22,437 

48,261 



00 
00 
00 
50 
00 
75 
00 
00 
25 
00 
00 
50 
00 
00 
00 
00 
00 
50 
25 
75 
00 
00 
62 
00 
00 
25 
50 



00 
50 
00 
00 
00 
65 
00 
00 
92 
00 



00 
50 
50 
25 



24,468 75 



00 
50 
00 
00 
00 



25,875 

24,312 

18,000 

55,000 

47,285 

70,137 45 

79,146 69 

98,640 

47,968 

25,875 

40,275 

49,562 



00 

75 
00 
00 
50 



93,500 00 
$4,371,010 98 



Rate. 

104 

99 

102 

93 

97 

90 

98 

90 

98 

113 

82 

97 

98 

76 

97 

78 

96 

74 

94 

93 

82 

79 

100 

76 

102 

102 

93 

96 

93 

103 

83 

84 

107 

■ 85 

112 

81 

87 

100 

75 

88 

95 

50 

101 

107 

104 

78 

93 

101 
100 

50 
100 

87 
103 
103 
108 
100 
102 
102 
100 

97 



Market Value. 

$52,000 00 
12,870 00 
51,000 00 
46,500 00 
24,250 00 
22,500 00 
24,500 00 
28,800 00 
49,000 00 
56,500 00 
20,500 00 
24,250 00 
24,500 00 
7,600 00 
24,250 00 
78,000 00 
24,000 00 
18,500 00 
23,500 00 
23,250 00 
24,600 00 
59,250 00 
25,000 00 
38,000 00 
51,000 00 
25,500 00 
23,250 00 
48,000 00 
23,250 00 
56,650 00 
31,540 00 
63,000 00 
26,750 00 
42,500 00 
84,000 00 
54,270 00 
43,500 00 
25,000 00 
37,500 00 
44,000 00 
23,750 00 

116,500 00 
50,500 00 

107,000 00 
26,000 00 
42,900 00 
23,250 00. 



25,250 

25,000 

10,000 

55,000 

42,630 

77,250 

77,250 

95,040 

50,000 

25,500 00 

40,800 00 

50,000 00 

97,000 00 

,415,739 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 



THE AMERICAN DRUGGISTS FIRE INSURANCE CO. 



139 



THE AMERICAN DRUGGISTS' FIRE INSURANCE COMPANY, 

CINCINNATI, 0. 

Incorporated February, 1906. Commenced business Jan. 15, 1907. 

Cash Capital, $200,000. 

CHARLES H. AVERY, President. FRANK H. FREERICKS, Secretary. 

Home Office, Mercantile Library Building. 



Income. 
Net fire premiums, ....... 

Gross interest on bonds, $10,548.96; bank deposits, $208.74, 
Gross increase in book value of bonds, 
Agents' balances previously charged off, 
From all other sources, . 

Total income, 
Ledger assets, Dec. 31, 1909, . 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, . . . . . . . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross decrease in book value of bonds, 

Agents' balances charged off, ..... 

All other disbursements, . . . . 

Total disbursements, 

Balance, ....... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Furniture and fixtures, ..... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $4,338.17; other assets, $5.04, 

Gross assets, ...... 



$64,666 72 

10,757 70 

46 40 

37 50 

26 25 

$75,534 57 

273,543 62 



$349,078 19 


$16,750 54 


642 49 


12,000 00 


8,085 46 


316 13 


8,533 00 


480 00 


3,107 83 


1,050 09 


88 55 


1,037 91 


1,615 82 


414 16 


875 95 


100 00 


655 60 


$55,753 53 


$293,324 66 


$279,956 56 


100 00 


4,385 50 


8,258 60 


624 00 


$293,324 66 



4,343 21 

$297,667 87 



140 



THE AMERICAN DRUGGISTS FIRE INSURANCE CO. 



Assets not admitted. 
Furniture and fixtures, ..... 
Book value of bonds over market value, . 



$624 00 
2,297 58 



Admitted assets, 



Liabilities. 



Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 

Total, 

Cash capital, . . . . . 

Surplus over all liabilities, 

Surplus to policy holders, .... 



$200,000 00 

58,577 53 



Total liabilities, including surplus, 

Risks and Premiums. 

Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, . 



$4,070,202 00 
6,092,767 00 



Total, . 
Expired and terminated, 

In force at end of year, . 



$10,162,969 00 
4,150,983 00 



$2,921 58 
$294,746 29 



$33,420 76 

491 66 

1,070 93 

1,185 41 

$36,168 76 



258,577 53 
$294,746 29 



Premiums. 

$47,921 49 
66,296 69 

$114,218 18 
47,921 57 



),011,986 00 $66,296 61 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (6 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company 



Government Bonds. 
United States 3s, 1918, 

County and Municipal Bonds. 
Cambridge, O., 4|s, 1911, 
Cambridge, O., 4§s, 1918, 
Cambridge, O., 4fs, 1919, 
Chardon, O., School 4£s, 1925-31, 
Cleveland, O., 4s, 1918, . 
Cleveland, O., 5s, 1922, . 
Cleveland, O., 4Js, 1930, 
Cleveland, O., 4s, 1924, . 
Columbus, O., School 3|s, 1921, 
Columbus, O., 4s, 1916, . 
Conneaut, O., 4|s, 1914-16, 
Conneaut, O., 4Js, 1917-18, 
Cuvahoga Falls, O., 5s, 1911, . 
Cuvahoga Falls, O., 5s, 1912, . 
Cuyahoga Falls, O., 5s, 1915—16, 
Cuyahoga Falls, O., 5s, 1917, . 
Cuyahoga Falls, O., 5s, 1918-19, 
Cuyahoga Falls, O., 5s, 1920-21, 
Cuyahoga Falls, O., 5s, 1922-23, 
Cuyahoga Falls, O., 5s, 1924-25, 
Cuyahoga Falls, O., 5s, 1926, . 



Book Value. 
$10,166 63 

1,003 00 



11,234 
6,327 



12 

12 

00 
33 



1,000 
11,005 
10,303 48 
13,199 40 
29,687 50 

2,000 00 

20,379 72 



/ 



7,447 82 <^ 



Rate. 
102 

100 
103 
104 
103 
100 
110 
104 
101 
96 
100 
102 
103 
100 
101 
104 
105 
106 
107 
108 
109 
110 



$169,964 60 
44,386 86 
12,000 00 
15,750 54 
12,000 00 
18,475 00 



Market Value. 
$10,200 00 



00 
46 
57 
00 
00 
00 



1,000 

5,572 

5,626 

6,180 

1,000 
11,000 
10,400 00 
13,130 00 
28,800 

2,000 
12,240 

8,240 
500 
505 

1.040 
525 

1,060 

1,070 

1,080 

1,090 
550 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



UNDERWRITERS AT AMERICAN LLOYDS. 



141 



Cuyahoga County, O., 4^s, 1913, 
Cuyahoga County, O., 4£s, 1914, 
Cuyahoga County, O., 4^s, 1918, 
Evanston (Cincinnati), O., 6s, 1918, 
Evanston (Cincinnati), O., 6s, 1920, 
Evanston (Cincinnati), O., 6s, 1922, 
Evanston (Cincinnati), O., 6s, 1924, 
Hamilton, O., 4s, 1926, 
Lorain, .0., 4|s, 1912-13, . 
Madisonville, 0., 5s, 1924, 
Mahoning County, O., 4£s, 1913, 
Manchester, O., 5s, 1931, . 
Manchester, O., 5s, 1932-35, 
Manchester, O., 5s, 1936-38, 
Middletown, O., School 4$s, 1915-16, 
Middletown, O., School 4|s, 1917-18, 
Middletown, O., School 4^s, 1919-21, 
Middletown, O., School 4£s, 1922, 
Newark, O., 4|s, 1913, 
Newark, O., 4£s, 1914-16, 
Newark, O., 4£s, 1917-18, 
Newark, O., 4Js, 1919-21, 
Newark, O., 4|s, 1922, 
Norwood, O., 4|s, 1911, . 
Norwood, O., 4|s, 1912-13, 
Norwood, O., 4£s, 1914-16, 
Norwood, 0., 4£s, 1917-18, 
Piqua, O., 3|s, 1925, 
Scio, O., 4£s, 1921, . 
Scio, O., 4$s, 1922-25, 
Scio, 0., 4|s, 1926-28, 
Tiffin, O., 4s, 1916, . 
Vermillion, O., 5s, 1918-19, 
Vermillion, O., 5s, 1921, . 
Vermillion, C\, 5s, 1922-23, 
Wapakoneta, O., 5s, 1913, 
Wauseon, O., School 4^s, 1914, 
Wauseon, 0., School 4§s, 1916, 
West Milton, O., School 4^s, 1940-41, 
West Milton, O., School 4£s, 1942, , 



Book Value. 
573 53 



2,295 64: 

10,266 20 

7,052 93 

2,750 52 

1,011 26 

4,586 75 



10,250 80 



10,273 74^ 



6,554 21 



19,780 30 

7,930 88 

25,230 98 

9,578 00 

505 72 
4,088 08 

5,472 90 | 



Rate. 
101 
102 
104 
113 
116 
118 
121 
100 
101 
110 
101 
110 
111 
112 
102 
103 
104 
105 
101 
102 
103 
104 
105 
100 
101 
102 
103 
95 
104 
105 
106 
100 
106 
107 
108 
101 
101 
102 
106 
107 



Market Value. 

$10,605 00 

9,690 00 

8,320 00 

565 00 

580 00 

590 00 

605 00 

10,000 00 

7,070 00 

2,750 00 

1,010 00 

550 00 

2,220 00 

1,680 00 

2,040 00 

2,060 00 

4,160 00 

2,100 00 

1,010 00 

3,060 00 

2,060 00 

3,120 00 

1,050 00 

1,583 

2,108 

1,707 

1,149 

19,000 



27 
88 
94 
86 
00 



1,040 00 



3,150 
3,710 



00 
00 



25,000 00 



4,240 
2,140 
3,240 
505 
2,020 
2,040 00 
3,180 00 
2,140 00 



00 
00 
00 
00 
00 



$279,956 56 



$277,658 98 



UNDERWRITERS AT AMERICAN LLOYDS, NEW YORK, N. Y 

Commenced business April 30, 1890. 
HALL & TROWBRIDGE, Attorneys. 

Home Office, 123 William Street. 

Income. 
Net fire premiums, ........ 

Gross interest on collaterals, $3,354.86; bonds, $31,231.97, bank 

deposits, $1,185.17, . 
Deposit of new subscriber, 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to subscribers, 

Commissions or brokerage, .... 
Agency expenses, ...... 



$271,626 47 

35,772 00 
2,000 00 



$309,398 47 
922,379 10 

$1,231,777 57 



$56,916 47 

1,669 68 

56,239 08 

89,494 83 

518 25 



142 



UNDERWRITERS AT AMERICAN LLOYDS. 



Salaries, fees, etc., of officers and employees, 

Legal expenses, ....... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on maturity of bonds, 

Paid retiring subscriber, 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Loans secured by collateral (schedule A), 
Book value of bonds (schedule B), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, . . 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $7,821.33; collateral loans, $145.83, .... 
Market value of bonds over book value, . . . . . 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . . . $381 53 

Special deposits less $512.51 liability thereon, . . 75,699 49 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, ......... 

Unearned premiums on outstanding risks, .... 

State, county and municipal taxes, due or accrued, . 

Due for return premiums, $4,044.26; reinsurance, $2,233.55, 

Total, 



Subscribers' deposits, .... 
Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 



$100,000 00 
656,167 06 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$42,470,430 00 
54,894,741 00 

$97,365,171 00 
51,897,741 00 

$45,467,430 00 
502,156 00 



$5,020 00 

1,054 06 

259 09 

1,964 28 

52 52 

3,203 66 

383 29 

250 00 

320 00 

23,829 31 

1,076 10 

$242,250 62 

$989,526 95 



$17,500 00 

870,814 69 

61,432 73 

39,779 53 

$989,526 95 



7,967 16 
157 31 

$997,651 42 



76,081 02 
$921,570 40 



$2,945 00 

153,430 53 

2,750 00 

6,277 81 

$165,403 34 



756,167 06 
$921,570 40 



Premiums. 

$333,706 89 
366,560 35 

$700,267 24 
390,345 54 

$309,921 70 
3,060 64 



$44,965,274 00 $306,861 06 



AMERICAN MUTUAL FIRE INSURANCE CO. 



143 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year, 

Schedule A. Securities held as Collateral. 



54,773,765 95 

1,521,093 54 

688,439 90 

58,961 47 

56,239 08 



25 shares First National Bank, New York, N. Y., 

50 " Irving National Exchange Bank, New York, N. Y. 

70 " Merchants National Bank, New York, N. Y., 



State, County and Municipal Bonds. 
Brooklyn, N. Y., 3*s, 1937, 
Essex County, N. J., 4s, 1938, 
Massachusetts 35s, 1935, . 
New York 4s, 1960, . 
New York, N. Y., 3s, 1920, 
New York, N. Y., 3s, 1925, 
New York, N. Y., 3*s, 1954, 
New York, N.-Y., 4s, 1959, 
New York, N. Y., 4£s, 1957, 
Toronto, Canada, 4s, 1948, 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Baltimore & Ohio 1st 4s, 1948, . 
Cleve., Cm., Chic. & St. L. general 4s, 1993, 
Metropolitan Street, New York, general 5s, 1997, 
Pitts., Cm., Chic. & St. Louis 4s, 1945, 

Miscellaneous Bonds. 
Westinghouse Elec. & Mfg. Co. notes, 6s, 1913, . 



Company's 
Market Value. 
$21,000 00 

10,000 00 
6,265 00 



Loaned 
Thereon. 

$17,500 00 



$37,265 00 


$17,500 00 


by the Company. 




Book Value. 


Rate. 


Market Value. 


$43,690 00 


90 


$45,000 00 


48,960 00 


101 


50,500 00 


31,500 00 


95 


28,500 00 


26,250 00 


105 


26,250 00 


76,900 00 


91 


80,990 00 


50,865 00 


87 


53,070 00 


29,680 00 


88 


30,800 00 


49,840 00 


100 


50,000 00 


351,607 57 


107 


337,050 00 


21,982 12 


98 


21,462 00 


24.920 00 


100 


25,000 00 


24,625 00 


99 


24,750 00 


23,930 00 


95 


23,750 00 


31,320 00 


78 


39,000 00 


24,745 00 


99 


24,750 00 


10,000 00 


101 


10,100 00 



$870,814 69 



$870,972 00 



AMERICAN MUTUAL FIRE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

Incorporated June 1, 1877. Commenced business June 1, 1877. 
JOHN R. FREEMAN, President. THEODORE P. BOGERT, Secretary. 

Office, 10 Weybosset Street. 

Income. 

Net premiums, ... $521,79008 

Gross interest on stocks and bonds, $22,367; bank deposits, 
$1,694.21, 24,061 21 



Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, 



. $545,851 29 
526,307 88 

. $1,072,159 17 



$14,078 08 

430,394 69 

6,023 09 



fees and taxes, 



144 AMERICAN MUTUAL FIRE INSURANCE CO. 

Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express 
Legal expenses, .... 

Furniture and fixtures, . 

Fire department, patrol and salvage corps 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of stocks, 

All other disbursements, 

Total disbursements, 

Balance, .... 



$550 06 


570 88 


339 


30 


284 


51 


147 


50 


19 


05 


9,744 24 


9,291 


93 


56 00 


2,002 


38 


11,066 


00 


282 


89 


$484,850 60 



7,308 57 



Ledger Assets. 

Book value of stocks and bonds (schedule A), . . . . $505,427 76 

Deposits in trust companies and banks on interest, . . . 59,186 20 

Premiums in course of collection, ...... 22,694 61 



Total ledger assets, $587,308 57 

Non-Ledger i\ssETS. 

Interest accrued on bonds, . . . . . . 633 83 

Market value of stocks and bonds over book value, ■ . . 13,360 24 



Gross assets, $601,302 64 

Assets not admitted. 
Premiums over three months due, . . . . . 526 50 



Admitted assets, . . . . . . . . $600,776 14 

Liabilities. 

Unpaid losses, . . . . . . . . . $1,140 78 

Unearned premiums on outstanding risks, .... 259,932 14 

Salaries, expenses and accounts, due or accrued, . . . 125 53 

Taxes, due or accrued, . . . • ... 14,899 86 

Total, $276,098 31 

Surplus to policy holders, . . . . . . . • 324,677 83 

Total liabilities, including surplus, . . . . . $600,776 14 

Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

In force Dec. 31, 1909, . . $58,386,441 00 $454,674 45 $2,273,372 25 

Written during the year, . 72,677,043 00 546,704 01 2,733,520 05 

Total, . ... . $131,063,484 00 $1,001,378 46 $5,006,892 30 
Expired and terminated, . 63,316,988 00 482,794 36 2,413,971 80 

In force at end of year, . . $67,746,496 00 $518,584 10 $2,592,920 50 



ASSURANCE COMPANY OF AMERICA. 



145 



Miscellaneous. 
Net premiums received from organization of company, . . $6,378,304 87 

Net losses paid from organization of company, . . . 1,121,457 96 

Cash dividends paid policy holders from organization of company, 4,714,958 44 
Losses incurred during the year, ...... 14,437 68 

Dividends to policy holders during 1910, 94 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Atch., Topeka & Santa Fe, preferred, 
220 " Chicago Great Western, preferred, 

53 " Chic, Milwaukee & St. Paul, com., 
161 " Chic, Milwaukee & St. Paul, pref., 
125 " Chicago & Northwestern, . 
100 " Chicago, St. Paul, Minn. & Omaha, 
100 " Cleve., Cin., Chic & St. L., pref., 
100 " Cleveland & Pittsburg, 
200 " Great Northern, preferred, 

69 " Illinois Central, 

40 " Illinois Central, leased lines, 
200 " Manhattan, 
100 " Minn., St. P. & S. Ste M., common, 
216 " Minn., St. P. & S. Ste M., preferred, 
130 " Morris & Essex, 
100 " New York, New Haven & Hartford, 

50 " N. Y., N. H. & Hartford (75% pd.), 
160 " Northern Pacific, 
150 " Old Colony, .... 
625 " Pennsylvania, .... 
200 " Pitts., Bess. & Lake Erie, pref erred, 
200 " Southern Pacific, . 
100 " Southern, preferred, . 
200 " Union Pacific, common, 
200 " Union Pacific, preferred, 
130 " West End Street, 

Miscellaneous Stocks. 
200 shares American Telephone & Tel. Co., 

Municipal Bonds. 
Boston, Mass., 3is, 1930, .... 
Providence, R. I., 4s, 1925, 

Railroad Bonds. 
Denver City Tramway Co. 5s, 1919, . 
New York, New Haven & Hartford 3|s, 1956, 
New York, New Haven & Hartford 6s, 1948, 
Southern Pacific Co. convertible 4s, 1929, . 



Book Value. 



$10,000 
17,600 

5,000 
24,000 
17,800 
13,000 
10,000 

9,000 
25,000 

8,000 

4,000 
27,500 
11,200 
30,600 
11,000 
14,700 

4,861 
18,250 00 
27,000 00 
31,250 
15,000 
22,300 
10,000 
30,700 
19,600 
11,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
41 



00 
00 
00 
00 
00 
00 
00 



28,000 00 

10,000 00 
20,000 00 

8,000 00 
4,000 00 
4,200 00 
2,866 35 

$505,427 76 



Rate. 
103 

45 
123 
146 
145 
140 
100 
170 
123 
132 

97 
141 
131 
147 
182 
151 
148 
116 
191 
129 
135 
117 

62 
173 

93 
182 

143 

95 
101 

100 

101 

134 

97 



Market Value 
$10,300 00 

9,900 00 

6,519 00 
23,506 00 
18,125 00 
14,000 00 
10,000 00 

8,500 00 
24,600 00 

9,108 00 

3,880 
28,200 
13,100 
31,752 
11,830 
15,100 

5,837 
18,560 
28,650 
40,312 
13,500 
23,400 

6,200 
34,600 
18,600 
11,830 



00 
00 
00 
00 
00 
00 
50 
00 
00 
50 
00 
00 
00 
00 
00 
00 



28,600 00 

9,500 00 
20,200 00 

8,000 00 
4,040 00 
5,628 00 
2,910 00 

$518,788 00 



ASSURANCE COMPANY OF AMERICA, NEW YORK, N. Y. 

Incorporated Feb. 25, 1897. Commenced business April 1, 1897. 

Paid-up Capital, $200,000. 

R. BLEECKER RATHBONE, President. CHARLES S. CONKLIN, Secretary. 

Home Office, I + 5 William Street. 

Income. 
Net fire premiums, ....... 

Gross interest on bonds, $13,686.52; bank deposits, $279.54, 



Total income, 
Ledger assets, Dec. 31, 1909, . 



$146,671 27 
13,966 06 



$160,637 33 
455,041 29 



Total, 



$615,678 62 



146 



ASSURANCE COMPANY OF AMERICA. 



Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, . . . . . . ' . 

Advertising, . . . . . . . 

Postage, telegrams, telephone and express, 
Legal expenses, . . . . . . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross loss on sale of bonds, ..... 

Borrowed money repaid, ..... 

Interest on borrowed money, ..... 

Agents' balances charged off, 

All other disbursements, . . 

Total disbursements, ...... 

Balance, . . . . 

Ledger Assets. 
Book value of bonds (schedule A), . 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $2,204.15; other assets, $150, 

Gross assets, ....... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, $17,823; less reinsurance, $6,126, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 





$55,579 49 
953 04 




10,000 00 

30,445 87 

8,207 36 

786 28 




94 80 




214 48 




2,900 00 




219 00 




705 34 




1,198 46 




2,244 26 




272 03 




1,700 00 




40,000 00 

871 42 




5,182 18 




1,305 27 


$162,879 28 


$452,799 34 


• 


$416,620 00 
11,836 76 
24,342 58 


. $452,799 34 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$200,000 00 
107,312 55 



2,354 15 



$455,153 49 

60,220 00 
$394,933 49 



$11,697 00 

72,073 23 

294 80 

1,024 01 

2,531 90 

$87,620 94 



307,312 55 
$394,933 49 



ATLANTA HOME INSURANCE CO. 



147 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$14,155,456 00 
26,515,159 00 



$40,670,615 00 
20,983,047 00 

$19,687,568 00 
4,281,494 00 



Premiums. 

$158,213 35 

227,832 27 

$386,045 62 
203,696 57 

$182,349 05 
43,107 43 



$15,406,074 00 $139,241 62 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company 5 

Fire losses incurred during the year, 

Dividends declared during the year (5 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company 

State and Municipal Bonds. Book Value. 

New York 3s, 1912, $50,000 00 

New York, N. Y., 3s, 1925, .... 101,25000 

New York, N. Y., 3§s, 1927-28, . . . 135,837 50 

New York, N. Y., 3K 1940, . . . . 55,437 50 
Railroad Bonds. 

Chicago & Alton 3s, 1949 16,182 50 

Metropolitan Street 4s, 2002, .... 18,450 00 

St. Louis. Iron Mt. & Southern 4s, 1929, . . 19,162 50 

Scioto Valley & New England 4s, 1989, . . 20,300 00 



$6,160,575 91 

4,286,678 53 

275,456 47 

49,948 49 

10,000 00 

90,500 00 



Rate. 
100 

87 
92 



73 

49 
84 
96 



$416,620 00 



Market Value. 
$50,000 00 

87,000 00 
115,000 00 

44,000 00 

14,600 00 

9,800 00 

16,800 00 

19,200 00 

$356,400 00 



ATLANTA HOME INSURANCE COMPANY, ATLANTA, GA. 

Incorporated, 1881. Commenced business, 1882. 

Cash Capital, $200,000. 

JOEL HURT, President. DOWDELL BROWN, Secretary. 

Home Office, Equitable Building. 

Income. 

Net fire premiums, $175,055 18 

Gross interest on mortgages, $3,799.31; collaterals, $13.42; 

stocks and bonds, $17,020, . 20,832 73 

Gross increase in book value of stocks and bonds, . . . 60,868 92 

From all other sources, . . . . , . . . . 153 44 

Total income, $256,910 27 

Ledger assets, Dec. 31, 1909, ■ . 514,807 76 

Total, $771,718 03 

Disbursements. 

Net amount paid policy holders for fire losses, . . ... $87,166 79 

Expenses of adjustment and settlement of losses, . . . 1,582 11 

Dividends to stockholders, 14,000 00 



148 



ATLANTA HOME INSURANCE CO. 



Commissions or brokerage, 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

All other disbursements, 

Total disbursements, 

Balance, . . . ... 

4 Ledger Assets. 

Mortgage loans on real estate, . . 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — - 
Mortgages, $63.29; bonds, $1,931.26; other assets, $56.66, . 
Due from other companies, 

Gross assets, ..... 

Assets not admitted. 

Agents' balances over three months due, . . . $1,226 69 

Book value of stocks and bonds over market value, . 24,147 50 





$33,778 74 




4,119 78 




11,625 


29 




1,639 


80 




3,645 


60 




1,571 


99 




405 


10 




220 


65 




889 75 




1,681 


17 




802 


29 




1,438 


99 




1,517 


11 




5,213 


92 




1,725 44 


$173,024 52 


$598,693 51 


$54,339 78 




491,193 


50 




420 


85 




10,025 


63 




5,000 


00 




37,713 


75 


$598,693 51 


2,051 


21 




42 


10 


$600,786 82 



Admitted assets, . . ..'.•'• • 

Liabilities. 

Unpaid losses, including $2,050 resisted, $41,810; less reinsurance, 

$7,221, . . . . . 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Underwriters' boards. ....... 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$200,000 00 
208,241 10 



25,374 19 
$575,412 63 



$34,589 00 

128,267 06 

592 96 

1,033 98 

1,774 66 

913 87 

$167,171 53 



408,241 10 

$575,412 63 



ATLANTA HOME INSURANCE CO. 



149 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$19,355,195 00 
19,898,867 00 



,254,062 00 
17,716,857 00 

$21,537,205 00 
3,208,411 00 



Premiums. 

$263,520 98 
261,559 10 

$525,080 08 
253,740 81 

$271,339 27 
26,696 43 



$18,328,794 00 $244,642 84 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (3 J per cent.), 
Par value of company's stock owned by directors, 



>3,444,706 78 
1,921,634 33 
381,796 64 
130,000 00 
103,146 79 
7,000 00 
116,600 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 

100 shares Atlantic Coast Line, Va., . 
Bank Stocks. 

378 shares American National, Macon, Ga., 
10 " Bank of Soc. Cir., Social Circle, Ga., 
55 " Citizens' First Nat., Albany, Ga., 
75 " Mer. Tr. & Dep. Co., Baltimore, Md., 
50 " Southern Trust Co., Hawkinsville, Ga. 
Miscellaneous Stocks. 

445 shares At. I. & C. Corp., pref., Atlanta, Ga., 

397 " At. I. & C. Corp., com., Atlanta, Ga., 

360 " N. P. Pratt Laboratory, Atlanta, Ga. 
State and Municipal Bonds. 

Arlington, Ga., 5s, 1911, . 

Arlington, Ga., 5s, 1912-13, 

Arlington, Ga., 5s, 1914-16, 

Arlington, Ga., 5s, 1917-19, 

Arlington, Ga., 5s, 1920-23, 

Arlington, Ga., 5s, 1924-27, 

Arlington, Ga., 5s, 1928-33, 

Arlington, Ga., 5s, 1934-35, 

Atlanta, Ga., 6s, 1914, 

Atlanta, Ga., 3£s, 1931, . 

Atlanta, Ga., 4s, 1933, 

Augusta, Ga., 4s, 1935, 

Calhoun, Ga., 5s, 1913-17, 

Calhoun, Ga., 5s, 1918-24, 

Calhoun, Ga., 5s, 1925-36, 

Calhoun, Ga., 5s, 1937, . 

Canton, Ga., 5s, 1922-27, 

Dalton, Ga., 5s, 1918, 

Georgia 34s, 1927, . 

Greensboro, N. C, 4s, 1954, 

Massachusetts 3^s, 1935, 

Millen, Ga., 5s, 1930-37, 

New York, N. Y., 4s, 1956 

Roswell, Ga., 6s, 1911, 

Roswell, Ga., 6s, 1912, 

Roswell, Ga., 6s, 1913-14, 

Roswell, Ga., 6s, 1915, 
Roswell, Ga., 6s, 1916-17, 



Book Value. 
$12,900 00 



68,796 
1,600 
8,690 

11,437 
5,000 



00 
00 
00 
50 
00 



44,500 00 
43,670 00 
30,600 00 



00 
00 
00 
00 
00 
00 



1,000 
2,000 
3,000 
3,000 
4,000 
4,000 
6,000 00 
2,000 00 
1,500 00 

77,000 00 

25,000 00 
5,000 00 
2,500 00 
3,500 00 
6,000 00 
500 00 
9,000 00 
6,000 00 

25,000 00 

10,000 

10,000 

10,000 

10,000 

500 

500 

1,000 

500 

1,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 



Rate. 
120 

195 
160 
135 
294 
110 

85 
88 
85 

100 

99 

98 

97 

96 

95 

94 

93 

106 

91 

97 

94 

99 

98 

97 

96 

100 

100 

95 

90 

95 

102 

99 

100 

101 

102 

103 

104 



Market Value. 
$12,000 00 



73,710 
1,600 
7,425 

11,025 
5,500 



00 
00 
00 
00 
00 



37,825 00 
34,936 00 
30,600 00 



1,000 
1,980 
2,940 
2,910 
3,840 
3,800 
5,640 
1,860 
1,590 

70,070 

24,250 
4,700 
2,475 
3,430 
5,820 
480 
9,000 
6,000 

23,750 
9,000 
9,500 

10,200 

9,900 

500 

505 

1,020 

515 

1,040 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



150 



BEN FRANKLIN FIRE INSURANCE CO. OF PITTSBURGH. 



Roswell, Ga., 6s, 1918-19, 
Roswell, Ga., 6s, 1920-22, 
Roswell, Ga., 6s, 1923-24, 

Miscellaneous Bonds. 
Atlantic Ice & Coal Corporation 6s, 1930, 



Book Value. 

$1,000 00 
1,500 00 
1,000 00 

31,000 00 
$491,193 50 



Rate. 
105 
106 
107 

100 



Market Value 
$1,050 00 
1,590 00 
1,070 00 

31,000 00 
$467,046 00 



ATLANTIC MUTUAL INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April 11, 1842. Commenced business July 1, 1842. 
A. A. RAVEN, President. G. STANTON FLOYD-JONES, Secretary. 

Home Office, 51 Wall Street. 

[See Index.] 



*BEN FRANKLIN FIRE INSURANCE COMPANY OF PITTSBURGH, 

PITTSBURGH, PA. 

Incorporated Feb. 9, 1866. Commenced business June 26, 1866. 

Paid-up Capital, $285,712.50. 

SAMUEL McKNIGHT, President. S. J. CROSS, Secretary. 

Home Office, 120 West Ohio Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $38,689.85; bank deposits, $354.26; 
all other, $67.19; gross rents, including $3,000 for company's 
own occupancy, $3,882.50, ...... 

Borrowed money, ......... 

Premium on increase in capital, . . . 

From all other sources, ........ 

Total income, ........ 

Ledger assets, Dec. 31, 1909, plus $85,712.50 increase in capital, 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $3,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, . . . . . . 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 



$518,086 58 


42,993 80 


20,000 00 


35,712 50 


155 50 


$616,948 38 


937,004 96 


$1,553,953 "34 


$294,731 49 


4,776 41 


82,000 00 


150,746 04 


9,603 19 


6,188 58 


17.393 61 


5,100 00 


5,756 23 


1,179 64 


33 12 


131 30 


1,434 21 


3,598 80 


3,195 42 


724 43 



* Merged with the National Insurance Company, Pittsburgh, Pa., Dec. 31, 1910, under the name of 
National-Ben Franklin Fire Insurance Company of Pittsburgh, Pa. 



BEN FRANKLIN FIRE INSURANCE CO. OF PITTSBURGH. 



151 



Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of real estate, 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

Balance of mortgage charged to profit and loss, 

All other disbursements, .... 

Total disbursements, 

Balance, ...... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ....... 

Deposit with Philadelphia Underwriters' Association, 

Total ledger assets, . 

Non-Ledger Assets. 
Interest due and accrued on mortgages, . 

Gross assets, ....... 

Assets not admitted. 

Agents' balances over three months due, . 

Deposit with Philadelphia Underwriters' Association, 



Admitted assets, ...... 

Liabilities. 

Unpaid losses, $56,986.19; less reinsurance, $3,662.06, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



$2,398 
200 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$285,712 
154,014 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . ;. 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$74,368,218 
58,917,594 



$594 83 

1,483 31 

4,863 92 

2,877 28 

5,059 16 

348 77 

20,000 00 

194 26 

100 00 

999 75 

$623,113 75 

$930,839 59 

$81,154 76 

684,740 00 

6,154 47 

86,585 42 

72,004 94 

200 00 

$930,839 59 



11,927 17 
$942,766 76 



2,598 39 
$940,168 37 

$53,324 13 

443,522 19 

94 71 

3,500 00 

$500,441 03 

439,727 34 
$940,168 37 



Premiums. 

00 $853,369 94 
00 676,865 78 



39 
00 



50 

84 



$133,285,812 
51,341,223 



00 $1,530,235 72 
00 617,837 02 



$81,944,589 

5,818,522 



00 
00 



$912,398 70 
65,008 20 



$76,126,067 00 $847,390 50 



152 



BLACKSTONE MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year, 
Par value of company's stock owned by directors, 



H,924,391 84 

2,232,807 03 

486.301 00 

90,000 00 

305,360 06 

82,000 00 

66,800 00 



BLACKSTONE MUTUAL FIRE INSURANCE COMPANY, 

PROVIDENCE, R. I. 

Incorporated August, 1868. Commenced business August, 186S-. 
WM. B. McBEE, President. ERNEST W. BROWN, Secretary. 

Office, 10 Weybosset Street. 

Income. 

Net premiums, . $1,031,926 91 

Gross interest on stocks and bonds, $44,314.80; bank deposits, 

$5,554.81, . 

Sale of rights, ...... 

Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, . 
Inspections and surveys, including settlement of losses, 
State taxes on premiums, ...... 

Insurance department licenses and fees, .... 

Other licenses, fees and taxes, ..... 

Gross decrease in book value of stocks, .... 

Excess of cost over book value of stocks acquired during 1910, 
All other disbursements, . . . . 

Total disbursements, ...... 

Balance, .... .... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, . 
Premiums in course of collection, ..... 

Total ledger assets, ...... 



49,869 


61 


25 


00 


. $1,081,821 


52 


. 1,043,936 


74 


$2,125,758 26 


$36,846 59 


893,414 


82 


16,316 


12 


1.801 


71 


1,303 


28 


857 57 


557 


30 


148 


49 


18,505 


97 


19,159 


61 


58 


50 


4,112 


88 


1,800 


00 


448 


95 


317 46 


. $995,649 25 


. $1,130,109 01 


. $971,379 63 


128,061 


38 


30,668 00 


$1,130,109 01 



BLACKSTONE MUTUAL FIRE INSURANCE CO. 



153 



Non-Ledger Assets. 

Interest accrued on bonds, .... 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Taxes due or accrued, ..... 

Total, .... . . 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$2,732 50 
88,036 37 

,220,877 88 



$3,179 04 

509,897 10 

280 14 

28,034 77 

$541,391 05 
679,486 83 

$1,220,877 88 



In force Dec. 31, 1909, . 
Written during the year, 

Total, : 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $122,926,369 00 $938,314 79 $4,691,573 95 

. 144,047,340 00 1,076,496 59 5,382,482 95 



$266,973,709 00 $2,014,811 38 $10,074,056 90 
132,334,449 00 995,017 18 4,975,085 90 



$134,639,260 00 $1,019,794 20 $5,098,971 00 



Miscellaneous. 
Net premiums received from organization of company, . $12,516,332 49 

Net losses paid from organization of company, . . . 1,565,905 89 

Cash dividends paid policy holders from organization of company, 9,318, 138 87 
Losses incurred during the year, ...... 38,646 20 

Dividends to policy holders during 1910, 94 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 





Railroad Stocks. 


Book Value. 


Rate. 


Market Value. 


60 shares Albany & Susquehanna, . 


$8,400 00 


290 


$17,400 00 


350 ' 


Canada Southern, . 


23,837 50 


67 


23,450 00 


264 ' 


' Cayuga & Susquehanna, 


17,897 00 


210 


16,632 00 


100 ' 


Chicago, Milwaukee & St. P., pref., . 


10,000 00 


146 


14,600 00 


250 ' 


Chicago, Milwaukee & St. P., com., 


34,975 00 


123 


30,750 00 


506 ' 


' Chicago & Northwestern, 


50,600 00 


145 


73,370 00 


200 ' 


' Cleve., Cin., Chic. & St. L.,pref., 


18,000 00 


100 


20,000 00 


40 ' 


Cleve., Cin., Chic. & St. L., com., 


2,800 00 


65 


2,600 00 


230 ' 


' Cleveland & Pittsburg, . 


16,171 25 


170 


19,550 00 


300 ' 


' Conn. & Passumpsic Rivers, pref., 


41,528 75 


140 


42,000 00 


100 ' 


' Erie & Pittsburg, . 


5,000 00 


150 


7,500 00 


200 ' 


' Great Northern, preferred, 


25,337 50 


123 


24,600 00 


150 ' 


' Hereford, .... 


13,650 00 


90 


13,500 00 


420 ' 


' Illinois Central, . 


43,232 50 


132 


55,440 00 


100 ' 


Illinois Central, leased lines, 


9,000 00 


97 


9,700 00 


200 ' 


' Joliet & Chicago, 


35,100 00 


172 


34,400 00 


110 ' 


Mahoning Coal, preferred, 


5,500 00 


104 


5,720 00 


250 ' 


' Manhattan, .... 


35,000 00 


141 


35,250 00 


400 ' 


' Morris & Essex, 


36,893 75 


182 


36,400 00 


400 ' 


New York, Lacka. & Western, 


50,850 00 


124 


49,600 00 


200 ' 


Northern Pacific, 


24,037 50 


116 


23,200 00 


1,180 ' 


Pennsylvania, 


71,272 00 


129 


76,110 00 


200 ' 


' Pitts., Bess. & Lake Erie, pref., 


12,339 50 


135 


13,500 00 


400 ' 


Pitts., Bess. & Lake Erie, com., 


14,778 13 


65 


13,000 00 


245 ' 


Pitts., Ft. Wayne & Chicago, . 


42,252 50 


168 


41,160 00 



154 



BUFFALO COMMERCIAL INSURANCE CO. 



360 shares Pitts., McKeesport & Yough., 
175 " Rensselaer & Saratoga, . 
200 " Rome, Watertown & Ogdensburg, 
150 " St. Louis Bridge Co., 1st pref., 
150 " St. Louis Bridge Co., 2d pref., 
50 " Upper Coos, .... 

Bank Stocks. 
50 shares Union Trust Co., Providence, . 

Miscellaneous Stocks. 
233 shares American Tel. & Tel. Co., 
50 " Gold & Stock Telegraph Co., . 
Government Bonds. 

United States 4s, 1925 

State Bonds. 
Rhode Island 3£s, 1924, .... 
Rhode Island 3s, 1936, .... 

Railroad Bonds. 
Chicago, Burlington & Quincy 3§s, 1949, 
Long Island 4s, 1949, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 



Book Value. 


Rate. 


Market Value. 


$24,536 

34,400 

20,000 

18,750 

9,300 

. , 6,200 


75 

00 
00 
00 
00 
00 


125 
195 
121 
120 
54 
140 


$22,500 00 

34,125 00 

24,200 00 

18,000 00 

8,100 00 

7,000 00 


5,000 


00 


160 


8,000 00 


27,960 
5,000 


00 
00 


143 
110 


33,319 00 
5,500 00 


16,000 


00 


116 


18,560 00 


100,000 
15,000 


00 
00 


100 
92 


100,000 00 
13,800 00 


4,000 
9,900 

26,880 


00 
00 
00 


88 
96 
96 


3,520 00 

9,600 00 

53,760 00 


$971,379 


63 


$1,059,416 00 



BUFFALO COMMERCIAL INSURANCE COMPANY, BUFFALO, N. Y. 

Incorporated April 15, 1896. Commenced business April 16, 1896. 

Paid-up Capital, $200,000. 

CHARLES GROBEN, President. GEO. H. HOFHEINS, Secretary. 

Home Office, 455 Main Street. 

■ Income. 

Net fire premiums, $364,854 00 

Gross interest on mortgages, $6,557.61; bonds, $15,296.76; bank 

deposits,$7,073.95; gross rents, $343.22, .... 29,27154 

Gross profit on sale of real estate, ...... 300 00 

Agents' balances previously charged off, . . , . 18 00 

Total income, ...... 

Ledger assets, Dec. 31, 1909, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, . . . • . 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, . . ... 

Maps, including corrections, . . . . . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, . . . . . ' ■ . 





$394,443 54 


• 


678,772 14 


$1,073,215 68 


. $181,351 89 




3,303 60 




20^00 00 




99,231 38 




6,166 23 




14,181 00 




1,300 00 




3,042 30 




2,342 71 




1,826 42 




800 64 




1,046 75 




1,722 01 




3,521 28 




1.218 81 




'217 81 




90 94 



BUFFALO COMMERCIAL INSURANCE CO. 



155 



State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, 

Agents' balances charged off, 

All other disbursements, 

Total disbursements, 

Balance, . . . . 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,045.08; bonds, $2,741.47, . 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, . 
Book value of bonds over market value, . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, including $2,000 resisted, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, 
Reserve for contingencies, 

Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$463 
3,222 



$200,000 
165,527 



Total liabilities, including surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$52,419,017 
39,310,244 



$4,823 97 
1,463 06 
1,844 90 
1,870 00 
147 67 
1,094 43 

$352,607 80 

$720,607 88 



$148,665 00 

428,442 25 

980 27 

94,909 10 

47,611 26 

$720,607 88 



3,786 55 
$724,394 43 



3,685 51 
$720,708 92 



$27,851 24 

306,972 13 

357 71 

369 31 

4,500 00 

130 69 

15 ; 000 00 

$355,181 08 



365,527 84 

$720,708 92 



Premiums. 

00 $572,301 00 
00 447,566 56 



26 
25 



00 

84 



$91,729,261 
35,538,817 



00 $1,019,867 56 
00 413,767 88 



$56,190,444 
1,447,402 



00 $606,099 68 
00 14,392 74 



$54,743,042 00 $591,706 94 



156 



BUFFALO GERMAN INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company. 



$3,376,243 00 

1,765,887 00 

143,000 00 

184,725 60 

20,000 00 

58,500 00 



County and Municipal Bonds 
Buffalo, N. Y., 3£s, 1911, 
Buffalo, N. Y., 3|s, 1912-13, . 
Buffalo, N. Y., 3is, 1914-16, 
Buffalo, N. Y., 3|s, 1919, . 
Buffalo, N. Y., 3^s, 1922-23, 
Buffalo, N. Y., 4s, 1912-29, 
Erie County, N. Y., 4s, 1929, . 
New York, N. Y., 3|s, 1917, 
New York. N. Y., 3^s, 1928, 
New York, N. Y., 3As, 1929, 
New York, N. Y., 3|s, 1954, 

Railroad Bonds. 
Atlantic Coast Line 4s, 1952, 
Chic, Burl. & Quincy (Neb. Ex.) 4s, 1927, 
Ch., Mil. & St. P. (Ch. & P. W. Div.) 5s, 1921, 
Ch., Mil. & St. P. (La C. & Dav. Div.) 5s, 1919, 
Delaware & Hudson 4s, 1943, 
Union Pacific 4s, 2008, 
Wabash 5s, 1939, 
West Shore 4s, 2361, 



Book Value, 
$55,000 00 

14,810 

19,623 
4,866 

19,300 
100,000 

14,000 

24,250 

23,412 
9,340 00 

36,000 00 



00 
50 
00 
00 
00 
00 
00 
50 



14,300 
10,000 
16,162 
15,834 
15,037 
9,725 
16,681 
10,100 



00 
00 
50 
00 
50 
00 
25 
00 



Rate. 

100 
99 
98 
96 
95 

100 
98 
96 
92 
91 



94 
99 
107 
105 
100 
97 
109 
101 



00 
00 
00 
00 
00 
00 
00 



,442 25 



Market Value. 

$55,000 00 

14,850 

19,600 

4,800 

19,000 

100,000 

13,720 

24,000 

23,000 00 

9,100 00 

35,200 00 

14,100 00 
9,900 00 
16,050 00 
15.750 00 
15,000 00 
9,700 00 
16,350 00 
10,100 00 

$425,220 00 



BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N. Y. 

Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867. 

Paid-up Capital, $200,000. 

JOHN G. WICKSER, President. CHARLES A. GEORGER, Secretary. 

Home Office, 447 Main Street. 



Income. 

Net fire premiums, 

Gross interest on mortgages, $20,958.70; collaterals, $374.16; 
bonds, $54,709.41; bank deposits, $5,860.04; all other, $3.10; 
gross rents, including $4,000 for company's own occupancy, 
$30,186.69, . 

Gross profit on maturity of bonds, . . . 

Total income, ........ 

Ledger assets, Dec. 31, 1909, . . . . 

Total, . 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 
Commissions or brokerage, .... 
Salaries and expenses of special and general agents, 



$642,880 85 



112,092 10 
33 33 

$755,006 28 
2,438,492 47 

$3,193,498 75 



$284,589 35 

5,093 49 

70,000 00 

170,120 27 

14,868 80 



BUFFALO GERMAN INSURANCE CO. 



157 



Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . . . ... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of real estate, 

Gross decrease in book value of bonds, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of bonds (schedule B), . 
Cash in office, .... 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



Total ledger assets, . . . . . 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $2,467.77; bonds, $7,931.35; collateral loans, $150, 
Rents accrued on company's property, ..... 

Gross assets,* ........ 



$37,952 


71 


4,000 


00 


4,343 


58 


3,882 


43 


1,694 


60 


1,868 


32 


3,125 


75 


3.419 45 


5,421 


79 


2,627 


16 


7,042 


57 


11,602 


85 


10,607 


86 


2,116 


18 


2,258 


61 


2.550 


00 


12,387 


50 


172 


71 


1,978 


30 



$663,724 28 



$2,529,774 47 



$337,998 85 

442,400 00 

8,000 00 

1,440,610 07 

1,979 63 

211,524 58 

87,261 34 

$2,529,774 47 



10,549 12 
412 00 

$2,540,735 59 



Assets not admitted. 
Agents' balances over three months due, . 
Book value of bonds over market value, . 
Mortgage disallowed, ..... 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, including $5,180 resisted, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 



$890 86 
5.015 04 
1,500 00 



7,405 90 
$2,533,329 69 



$44,504 24 
632,796 55 

658 76 



* Including $300,000 special reserve under New York law. 



158 



BUFFALO GERMAN INSURANCE CO. 



State, county and municipal taxes, due or accrued, 
Reserve for contingencies, . . . 

Total, ' . . . . . . - . 

Cash capital, ...... 

Surplus over all liabilities, 

Surplus to policy holders, . . . . - 



$200,000 00 
1,595,370 14 



$10,000 00 
50,000 00 

$737,959 55 



Total liabilities, including surplus, 

Risks and Premiums. 



1,795,370 14 
$2,533,329 69 



Risks. Premiums. 

Fire risks in force Dec. 31, 1909, . . . $121,457,698 00 $1,212,349 77 
Fire risks written during the year, . . . 74,865,508 00 788,346 24 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$196,323,206 00 $2,000,696 01 
67,544,379 00 725,879 21 



$128,778,827 00 $1,274,816 80 
6,620,561 00 50,767 90 



$122,158,266 00 $1,224,048 90 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (35 per cent.), 

Par value of company's stock owned by directors, 



$15,524,476 33 

7,690,747 36 

1,735,925 00 

296,944 44 

70,000 00 

36,100 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
$1,020 00 
3,650 
1,700 
1,000 
730 
650 
2,500 



10 shares American Smelting & Refining Co., 
50 " Western Union Telegraph Co., 
10 " Union Pacific R.R. Co., 
Delaware & Hudson Co. 4s, 1916, 
Chicago, Rock Island & Pacific R.R. 4s, 2002, 
Toledo Gas Electric Heating Co. 3s, 1935, . 
25 shares Third National Bank, Buffalo, 
10 " German American Bank, Buffalo, 



00 
00 
00 
00 
00 
00 i 
2,000 00 | 



Loaned 
Thereon. 



),000 00 



2,000 00 



$13,250 00 



5,000 00 



Schedule B. Bonds owned by the Company. 



County and Municipal Bonds. 
Batavia, N. Y., 4|s, 1919, 
Buffalo, N. Y., 3£s, 1911, 
Buffalo, N. Y., 4s, 1911-29, 
Buffalo, N. Y., 3|s, 1912-13, 
Buffalo, N. Y., 3£s, 1914-16, 
Buffalo, N. Y., 3£s, 1917-18, 
Buffalo, N. Y., 3|s, 1919-21, 
Buffalo, N. Y., 3£s, 1922-25, 
Buffalo, N. Y., 34s, 1926-29, 
Erie County, N. Y., 4s, 1926-27, 
Erie County, N. Y., 4s, 1928, 
New York, N. Y., 3|s, 1916, 
New York, N. Y., 3|s, 1928, 
New York, N. Y., 3R 1929, 
New York, N. Y., 3is, 1952-54, 
Westchester County, N. Y., 4s, 1937-38, 



Book Value. 



50 
50 
00 
00 
34 
68 



$14,108 
7,012 

335,000 

208,560 

141,263 
29,746 
44,620 02 
20,208 35 
12,933 37 
28,000 00 
14,000 00 
57,900 00 
23,250 00 
37,200 00 

222,640 00 
40,000 00 



Rate. 
100 
100 
100 
99 
98 
97 
96 
95 
94 
99 
98 
97 
92 
91 
88 
99 



Market Value. 
$14,000 00 

7,083 
335,000 
208,560 
140,139 

29,746 

44,160 

19,791 

12,533 

27,720 

13,720 

58,200 00 

23,000 00 

36,400 00 
222,640 00 

39,600 00 



33 

00 
00 
98 
68 
00 
64 
40 
00 
00 



CALEDONIAN-AMERICAN INSURANCE CO. 



159 



Railroad Bonds. 
Chicago, Burlington & Quincy 4s, 1927, 
Chic, Mil. & St. Paul (Pac. Div.) 5s, 1921, 
Chic, Mil. & St. Paul (Wis. & M. Div.) 5s, 1921, 
Chic, Mil. & St. P. (D. Gt. So. Div.) 5s, 1916, . 
Chic, Mil. & St. P. (La C. & Dav. Div.) 5s, 1919, 
Delaware & Hudson 1st refunding 4s, 1943, 
Lake Shore & Michigan Southern 3^s, 1997, 



Book Value. 


Rate. 


Market Value. 


$30,000 00 


99 


$29,700 00 


32,362 50 


107 


32,100 00 


27,000 00 


107 


26,750 00 


25,947 45 


104 


26,000 00 


26,357 36 


105 


26,250 00 


40,000 00 


100 


40,000 00 


22,500 00 


90 


22,500 00 


$1,440,610 07 


$1,435,595 03 



CALEDONIAN-AMERICAN INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated Dec. 24, 1897. Commenced business March 24, 1898. 

Paid-up Capital, $200,000. 

CHARLES H. POST, President. MILWARD PRAIN, Secretary. 

Home Office, 50 Pine Street. 

Income. 

Net fire premiums, ■'. . $17,856 89 

Gross interest on stocks and bonds, $9,505; bank deposits, $72.78, 9,577 78 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, . . . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, . . . . . 
Due from other companies, .... 

Total ledger assets, .... 



$27,434 67 


257,647 22 


. "$285,081 89 


$9,731 


52 


527 


53 


8,000 


00 


4,615 


72 


44 


90 


453 


76 


21 


21 


114 


08 


93 


36 


40 07 


132 


81 


35 


63 


24 


94 


256 


74 


76 03 


28 


58 


27 09 


$24,223 97 


. $260,857 92 


. $235,416 49 


5,115 82 


13,603 


43 


6,722 


18 


. $260,857 92 



160 



CALEDONIAN-AMERICAN INSURANCE CO. 



Interest accrued on bonds, 

Gross assets, . 



Non-Ledger Assets. 



Assets not admitted. 

Agents' balances over three months due, . . . $91 75 

Book value of stocks and bonds over market value, . 6,116 49 

Due from unauthorized company, . . . . 1 00 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $268.07 resisted, $11,635.65; less reinsur- 
ance, $9,878.31, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 
Reserve for contingencies, 



$2,223 33 
$263,081 25 



6,209 24 
$256,872 01 



$1,757 34 

16,966 98 

100 00 

200 00 

6,608 45 

500 00 

$26,132 77 



$200,000 00 
30,739 24 



Total, 

Cash capital, ...... 

Surplus over all liabilities, 

Surplus to policy holders, . . . 230,739 24 

Total liabilities, including surplus, . . . . . $256,872 01 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1909, . . . $14,350,552 00 $141,966 10 



Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



14,542,548 00 149,630 47 



,893,100 00 $291,596 57 
11,856,455 00 119,471 46 



$17,036,645 00 $172,125 11 
14,094,904 00 141,395 86 



$2,941,741 00 $30,729 25 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (4 per cent.), 
Par value of company's stock owned by directors, 



$436,468 83 

397,118 22 

68,000 00 

9,650 76 

8,000 00 

4,500 00 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

200 shares Pittsburgh, Bessemer & Lake Erie, . $7,283 90 65 $6,500 00 

Miscellaneous Stocks. 

50 shares American Tel. & Tel. Co., . . 7,131 25 143 7,150 00 

• Municipal Bonds. 

New York, N. Y., 3}s, 1954, . . . . 156,187 50 88 154,000 00 

New York, N. Y., 3§s, 1935, .... 43,428 96 90 43,200 00 



THE CALIFORNIA INSURANCE CO. 



161 



Railroad Bonds. 
Brooklyn, Queens Co. & Suburban 1st 5s, 1941, . 
New York, Ontario & Western ref. 4s, 1992, 
Steinway, N. Y., 1st 6s, 1922, .... 

Miscellaneous Bonds. 
Tenth & Twenty-third St. Ferry Co. 1st 5s, 1919, 



Book Value. 



$5,481 
5,097 

5,718 



25 
38 
75 



5,087 50 



$235,416 49 



Rate. 
99 
96 

104 

70 



Market Value. 

$4,950 00 

4,800 00 

5,200 00 

3,500 00 
$229,300 00 



THE CALIFORNIA INSURANCE COMPANY, SAN FRANCISCO, CAL. 

Incorporated 1861. Reorganized June, 1905. Commenced business under reorganization in 1905. 

Cash Capital, $400,000. 
W. E. DEAN, President. GEORGE W. BROOKS, Secretary. 

Home Office, 550 Sacramento Street. 

Income. 

Net fire premiums, $682,437 10 

Gross interest on mortgages, $17,738.77; collaterals, $1,189.56; 
stocks and bonds, $25,869.17; bank deposits, $1,945.59; gross 
rents, including $3,600 for company's own occupancy, $8,820, . 55,563 09 

Stockholders' assessments previously charged off, . . . 950 00 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



$738,950 19 
1,140,344 52 



Disbursements. 



Net amount paid policy holders for fire losses, $317,370. 

marine, $294.13, 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, .... 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, including $3,600 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, . . 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Stockholders' assessments charged off, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, .... 



$1,879,294 71 


$317,664 96 
6,822 42 


60,000 00 


125,106 59 


46,118 02 
58,950 26 

7,387 36 
16,510 49 

8,569 94 


738 44 


2,184 64 


3,421 49 
7,332 84 
2,380 67 


1,581 49 


2,409 12 


465 40 


5,124 33 
11,818 79 


334 73 


1,325 70 


1,745 00 


429 82 


1,452 37 


$689,874 87 


$1,189,419 84 



162 



THE CALIFORNIA INSURANCE CO. 



Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, . . . . . 

Furniture, fixtures and maps, .... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $1,365.82; bonds, $9,492.50; other assets, $723.03, 
Market value of real estate over book value, 
Due from Atlanta Birmingham Insurance Company, 

Gross assets, ........ 

Assets not admitted. 

Furniture, fixtures and maps, .... $19,249 16 

Agents' balances over three months due, . . . 1,654 27 

Bills receivable, past due, taken for premiums, . 852 36 

Book value of stocks and bonds over market value, . 25,345 35 
Due from Atlanta Birmingham Insurance Company, . 2,500 00 



$92,714 81 
285,000 00 

15,800 00 

523,700 35 

2,680 59 

18,808 45 

71,660 84 

158,953. 28 

852 36 

19,249 16 

$1,189,419 84 



11,581 35 

7,285 19 
2,500 00 

$1,210,786 38 



Admitted assets, 

Liabilities. 
Unpaid losses, including $4,600 resisted, $48,512.68; less reinsur- 
ance, $10,821.02, . ... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, 



Total, . 
Cash capital, . . . 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 



$400,000 00 
150,676 34 



49,601 14 
$1,161,185 24 



$37,691 66 

545,854 21 

250 00 

6.250 00 

20,463 03 

$610,508 90 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$81,657,036 00 
87,395,434 00 

$169,052,470 00 
70,410,099 00 

$98,642,371 00 
22,308,242 00 



550,676 34 
,161,185 24 



Premiums. 

$1,151,404 90 
1,199',278 82 

$2,350,683 72 
1,046,179 15 

$1,304,504 57 
315,713 27 



$76,334,129 00 $988,791 30 



CALUMET INSURANCE CO. 



163 



Miscellaneous. 

Net premiums received from reorganization of company, 

Net losses paid from reorganization of company, 

Cash dividends declared from reorganization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (15 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



$2,554,148 37 

2,675,032 99 

150,000 00 

311,566 21 

60,000 00 

160,760 00 



1,000 shares Judson Manufacturing Co., 

40 " Pacific Casualty Co., 
Pacific Gas & Electric Co. 5s, 1936, . 
City Electric Co. 5s, 1937, 



Schedule B. Stocks and Bonds 

Bank Stocks. 
125 shares Western Met. Nat., San Francisco, 

Railroad Bonds. 
Ferries & Cliff House 6s, 1914, . 
Los Angeles 5s, 1938, 
Los Angeles Pacific 1st consol. 5s, 1931, 
Los Angeles Pacific 5s, 1943, 
Oakland Traction 5s, 1935, 
Oakland Traction 5s, 1933, 
Oakland Transit 5s, 1932, 
Pacific Electric 5s, 1942, . 
Petaluma & Santa Rosa 5s, 1924, 
Sacramento Gas & Electric Co. 5s, 1927, 
San Francisco, Oakland & San Jose 5s, 1933, 
San Francisco & San Joaquin Valley 5s, 1940, 
Southern Pacific 4s, 1955, .... 

Sutter Street 5s, 1918 

United R.Rs. of San Francisco 4s, 1927, 
Western Pacific 5s, 1933, .... 

Miscellaneous Bonds. 
California Central Gas & Electric Co. 5s, 1931, 
Citv Electric Co. 5s, 1937, 
Edison Light & Power Co. 6s, 1921, . 
Great Western Power Co. 5s, 1946, 
Northern California Power Co. 5s, 1932, 
Pacific Gas & Electric Co. 5s, 1936, . 
Pacific Tel. & Tel. Co. 5s, 1937, . 
Peoples Water Co. 5s, 1937, 
Spring Valley Water Co. 4s, 1923, 



$40,000 00 \ 
6,400 00 J 
1,940 00 
4,462 50 

$52,802 50 



Loaned 
Thereon. 

$12,000 00 

1,400 00 
2,400 00 

$15,800 00 



OWNED BY THE COMPANY. 

Book Value. Rate. Market Value. 
$13,000 00 75 $9,375 00 



16,240 
23,800 
10,610 
23,000 

9,372 
20,050 
11,005 

5,262 
12,600 
11,000 

5,875 
37,975 
34,754 

5,037 
44,500 
48,287 



00 
00 
00 
00 
50 
00 
00 
50 
00 
00 
00 
00 
10 
50 
00 
50 



4,000 00 
22,775 00 
16,350 00 
23,160 00 

9,830 
37,200 
19,795 
36,221 
22,000 

$523,700 35 



00 
00 
00 
25 
00 



100 

105 

101 

99 

91 

96 

102 

105 

95 

101 

105 

111 

95 

98 

67 

93 

102 
93 

107 
86 

100 
98 

100 
70 
91 



00 
00 
00 
00 
00 
00 



14,000 00 
21,000 00 
10,100 00 
19,800 00 

9,100 00 
19,200 00 
10,200 00 

5,250 
11,400 
10,100 

5.250 
38,850 
38,000 

4,900 00 
33,500 00 
46,500 00 

4,080 00 
23,250 00 
16,050 00 
21,500 00 
10,000 00 
39,200 00 
20,000 00 
35,000 00 
22,750 00 

$498,355 00 



CALUMET INSURANCE COMPANY, CHICAGO, ILL. 

Incorporated Jan. 21, 1905. Commenced business March 22, 1905. 

Paid-up Capital, $300,000. 

W. IRVING OSBORNE, President. OTTO E. GREELY, Secretary. 

Home Office, 171 La Salle Street. 

Income. 

Net fire premiums, $551,786 58 

Gross interest on mortgages, $450; stocks and bonds, $29,430.57; 

bank deposits, $1,326.81; all other, $3.10, .... 31,210 48 



164 



CALUMET INSURANCE CO. 



Gross profit on sale of bonds, . . . 

Received from Atlanta Birmingham Ins. Co. in settlement of 
claims, . . . . . . - . 

Total income, ...... 

Ledger assets, Dec. 31, 1909, ..... 



$962 50 
9,040 90 



Total, 



Disbursements, 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, 

Furniture and fixtures, ...... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of bonds, ..... 

Agents' balances charged off, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . 

Due from other companies, ..... 

Deposit with Philadelphia Underwriters' Association, 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $371.25; bonds, $6,442.83, . 

Gross assets, . . 



* " 


$593,000 46 
908,021 21 


$1,501,021 67 




$310,125 55 
6,460 11 




33,000 00 




126,426 49 




163 15 




37,064 33 




38,514 58 




4,790 08 




7,570 30 




5,698 25 




1,413 25 




655 58 




2,230 69 




2,566 79 
3,019 08 




4.392 44 




9,647 73 
6,969 00 




1,557 90 
756 45 




1,859 57 




2,942 79 


• 


. $607,824 11 


. $893,197 56 




$18,000 00 

669,328 60 

8,373 62 

6,200 11 




73,840 60 
110,944 05 




6,410 58 




100 00 



$893,197 56 



6,814 08 
$900,011 64 



CALUMET INSURANCE CO. 



165 



Assets not admitted. 

Agents' balances over three months due, . . . $4,183 50 

Book value of stocks and bonds over market value, . 14,328 60 

Due from unauthorized companies, . . . 2,281 86 

Deposit with Philadelphia Underwriters' Association, 100 00 

Special deposit less $5,147.38 liability thereon, . . 4,752 62 



Admitted assets, 



Liabilities. 
,720.59 resisted, $105,778.06; less 



Unpaid losses, including 
reinsurance, $24,544.02, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Cash capital, 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 



$300,000 00 
85,177 46 



Total liabilities, including surplus, 

Risks and Premiums. 



$25,646 58 

$874,365 06 

$81,234 04 

396,453 56 

500 00 

11,000 00 

$489,187 60 

385,177 46 
$874,365 06 



Risks. Premiums. 

Fire risks in force Dec. 31, 1909, . . . $58,889,407 00 $698,420 93 
Fire risks written during the year, . . . 74,290,019 00 885,777 38 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$133,179,426 00 
53,649,577 00 

$79,529,849 00 
16,374,443 00 



1,584,198 31 
656,199 53 

$927,998 78 
194,610 36 



$63,155,406 00 $733,388 42 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, .... 

Dividends declared during the year (11 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Stocks and Bonds owned by the 

Miscellaneous Stocks. Book Value. 

1 share General Adjustment Bureau Phila, Pa., . $50 00 

1 " Western Adjustment & Inspec. Co., Chi., 140 00 

Municipal Bonds. 

Chicago, 111., Sanitary Dist. 4s, 1913-14, . . 18,616 10 

Chicago, 111., Sanitary Dist. 4s, 1921-28, . . 79,631 25 

New York, N. Y., 4s, 1955, .... 100,125 00 

Winnipeg, Manitoba, 4s, 1923, .... 10,000 00 

Railroad Bonds. 

Atchison, Topeka & Santa Fe conv. 5s, 1917, . 26,622 50 

Chicago Great Western 4s, 1959, . . . 46,000 00 



$1,992,480 83 

1,430,171 15 

39,000 00 

329,647 36 

33,000 00 

139,400 00 



Company. 

Rate. Market Value. 
100 $50 00 
200 200 00 



100 
99 
99 
99 

109 

85 



18,500 00 

79,200 00 

99,000 00 

9,900 00 

27,250 00 
42,500 00 



166 



CAMDEN FIRE INSURANCE ASSOCIATION. 



Chicago, Rock Island & Pacific ref. 4s, 1934, 

Kansas City Ry. & Light Co. 5s, 1913, 

Norfolk & Western conv. 4s, 1932, 

Peoria 1st ref. 5s, 1926, 

Southern Pacific conv. 4s, 1929, 

Tri City Ry. & Light Co. 5s, 1923, . 

Miscellaneous Bonds. 
Commonwealth Edison Co. 5s, 1943, . 



Book Value. 


Rate. 


Market Value. 


$45,000 00 


90 


$45,000 00 


23,500 00 


96 


24,000 00 


76,612 50 


101 


75,750 00 


24,250 00 


96 


24,000 00 


155,781 25 


97 


145,500 00 


47,625 00 


98 


49,000 00 


15,375 00 


101 


15,150 00 


$669,328 60 


$655,000 00 



CAMDEN FIRE INSURANCE ASSOCIATION, CAMDEN, N. J. 

Incorporated March, 1841. Commenced business April, 1841. 

Paid-up Capital, $500,000. 

EDMUND E. READ, Jr., President. JOSEPH K. SHARP, Secretary. 

Home Office, 434 Federal Street. 



Income. 

Net fire premiums, . . . . . . . ■ . 

Deposit premiums on perpetual risks, ..... 

Gross interest on mortgages, $33,089.47; collaterals, $3,001.27; 
stocks and bonds, $63,516.81; bank deposits, $896.31; all 
other, $3.10; gross rents, including $3,000 for company's own 
occupancy, $3,340, . . . . •".. 

Gross profit on maturity of bonds, ...... 

Truscott and Sharp agency, . . . . . . . 

From all other sources, ........ 

Total income, ....... 

Ledger assets, Dec. 31, 1909, ...... 



,316,466 99 
245 50 



103,846 96 

55 00 

2,345 78 

21 62 

$1,422,981 85 
2,312,972 41 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Deposit premiums returned, . 
Dividends to stockholders, .... 

Commissions or brokerage, . . . 
Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 



5,735,954 26 


$730,663 96 


10,063 


52 


255 


80 


48,981 


30 


355,333 


82 


3,510 


15 


16,513 


66 


47,492 67 


3.000 


00 


9,013 


89 


4,818 73 


1,163 


27 


2,234 87 


4,934 


78 


8,083 


39 


8,069 


08 


5,760 95 


739 


96 


647 00 


13,093 97 


5,139 


85 


4,469 05 



CAMDEN FIRE INSURANCE ASSOCIATION. 



167 



Gross loss on maturity of bonds, 

Agents' balances charged off, .... 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of real estate, 

Mortgage loans on real estate, 

Loans secured by collateral (schedule A), 

Book value of stocks and bonds (schedule B), 

Cash in office, ..... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Deposit with Philadelphia Underwriters' Association, 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $8,738.28; bonds, $14,411.63; collateral loans, $89.38: 

other assets, $479.07, '. 

Dividends on stocks, .... . 

Gross assets, . . ....... 





$81 10 


. 


• 


3,450 78 


$1,287,559 60 


$2,448,394 66 


. $53,454 36 




604,625 00 




58,500 00 




1,495,302 15 




38 32 




1,281 11 




46,058 39 




189,035 33* 




100 00 




$2,448,394 66 



23,718 36 
2,450 00 

$2,474,563 02 



Assets not admitted. 

Agents' balances over three months due, . . . $1,560 93 

Book value of real estate over market value, . . 5,754 36 

Book value of stocks and bonds over market value, . 22,774 15 

Dividends on stocks, ...... 2,450 00 

Deposit with Philadelphia Underwriters' Association, 100 00 



Admitted assets, 



32,639 44 
5,441,923 58 



Liabilities. 
,500 resisted, $133,644.92; less rein- 



Unpaid losses, including 
surance, $19,477.19, . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends due stockholders, .... 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Interest paid in advance, .... 

Total, . 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . 



$114,167 73 

1,144,844 20 

25,708 30 

297 50 

1,021 71 

15.000 00 

25 00 

. $1,301,064 44 



$500,000 00 
640,859 14 



Total liabilities, including surplus, 



1,140,859 14 
$2,441,923 58 



168 



CAMDEN FIRE INSURANCE ASSOCIATION. 



Risks and Premiums. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Perpetual risks in force (not included above) , 



Risks. 



Premiums. 



$199,267,893 00 $2,253,205 90 
162,035,304 00 1,846,896 14 



$361,303,197 00 $4,100,102 04 
142,360,241 00 1,671,875 78 



$218,942,956 00 $2,428,226 26 
20,600,700 00 247,672 04 



$198,342,256 00 $2,180,554 22 
$1,216,766 00 $28 ; 564 78 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (9.8 per cent.), . 
Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 

$9,000 00 

9,180 00 

12,600 00 

4,500 00 

35,000 00 

14,000 00 

14,850 00 

2,500 00 

2,250 00 

1,125 00 

1,125 00 

$106,130 00 



100 shares Central Trust Co., Camden, N. J., 

102 " Central Trust Co., Camden, N. J., 

140 " Central Trust Co., Camden, N. J., 
50 " Central Trust Co., Camden, N. J., 

250 " Camden Horse R.R. Co., . 

100 " Camden Horse R.R. Co., . 

132 " Gloucester Turnpike Co., . 

Ocean City Electric Ry. Co. 6s, 1913, 
10 shares Security Trust Co., Camden, N. J., 
5 " Security Trust Co., Camden, N. J., 
5 " Security Trust Co., Camden, N. J., 



$,295,726 60 

4,640,078 98 

584,025 73 

52,865 00 

712,125 73 

49,000 00 

81,525 00 



Loaned 
Thereon. 

$5,000 00 

8,000 00 

6,000 

2,500 
24,000 

5,000 

3,900 

2,000 

1,000 
600 
500 



00 
00 
00 
00 
00 
00 
00 
00 
00 



$58,500 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
500 shares Camden Horse, 
100 " Phila., Germantown & Norristown, 
650 " United N. J. R.R. and Canal, . 
500 " West Jersey and Seashore, 

Bank Stocks. 
42 shares Girard Trust Co., Phila., . 
25 " Philadelphia National Bank, 

Miscellaneous Stocks. 
9 shares General Adjustment Bureau of N. Y., 
164 " Morris Canal and Banking Co., pfd., 
550 " Philadelphia and Camden Ferry Co., 

County and Municipal Bonds. 
Atlantic City, N. J., 4is, 1928, . 
Bridgeton, N. J., 4s, 1927, 
Camden, N. J., 4*s, 1937, 
Camden, N. J., 4s, 1911, . 
Camden County, N. J., 4s, 1944, 
Collingswood, N. J., School 4s, 1911-14, 
Collingswood, N. J., School 4s, 1915-27, 
Collingswood, N. J., School 4s, 1928-53, 
Collingswood, N. J., School 4s, 1954-59, 
Duluth, Minn., 5s, 1926, . 
Gloucester, N. J., 4s, 1915, 



Book Value. 

$69,510 00 

16,900 00 

164,650 75 

28,222 65 

31,254 00 
9,292 00 

450 00 
29,483 50 
53,725 00 



40,892 

5,290 

51,525 

6,043 

107,500 



80 
00 
00 
00 
00 



24,500 00 

5,800 00 
50,000 00 



Rate. 
550 
294 
245 
104 

924 
371 

100 
175 
230 

102 
99 

106 

100 
98 

100 
99 
98 
97 

107 
98 



Market Value. 

$68,750 00 

14,700 00 

159,250 00 

26,000 00 

38,808 00 
9,275 00 

450 00 
28,700 00 
63,250 00 

40,800 00 

4,950 00 
53,000 00 

6,000 00 
98,000 00 

2,000 00 

6,435 
12,740 

2,910 

5,350 
49,000 



00 
00 
00 
00 
00 



THE CAPITAL FIRE INSURANCE CO. 



169 



Haddonfield, N. J., School 4§s, 1942-46, 
Jersey City, N. J., 7s, 1913, 
Jersey City, N. J., 4s, 1932, 
Merchantville, N. J., School 4§s, 1922 
Ocean City, N. J., School 4*s, 1920, 
Ocean City, N. J., 4s, 1932, 

Railroad Bonds. 
Atlantic City 1st cons. 4s, 1951, 
Atlantic City 5s, 1919, 

Bridgeton & Millville Traction 1st 5s, 1930, 
Camden & Atlantic cons. 5s, 1911* 
Camden Horse 1st cons. 5s, 1912, 
Camden & Suburban 1st 5s, 1946, 
Camden & Suburban 5s, 1911, . 
Citizens Street 1st 6s, 1927, 
Consolidated Traction, N. J., 5s, 1933 
Easton & Amboy 1st 5s, 1920, . 
Iron Mountain Car Trust 5s, 1911-12 
Jersey City, Hoboken & Paterson 1st 4s, 1949, 
Lehigh & Hudson River 1st 5s, 1911, 
Lehigh Valley Terminal 5s, 1941, 
Long Dock Company cons. 6s, 1935, . 
Midland of N. J. 1st 5s, 1940, 
Newark Passenger 1st cons. 5s, 1930, 
New Jersey & Hud. R. Ry. & Ferry 1st 4s, 1950, 
New Jersey & New York 1st 5s, 1950, 
N. Y., L. E. & W. Docks & Imp. Co. 1st 6s, 1913 
North Hudson County mtge. 6s, 1914, 
Paterson cons. 6s, 1931, .... 
Public Service Corporation of N. J. 5s, 1913, 
Seaboard Air Line 5s, 1911-13, . 
South Jersey Gas, Elec. & Trac. 1st 5s, 1953, 
Trenton Passenger 1st 6s, 1922, 
Trenton Passenger 1st 6s, 1926, 
Trenton Passenger 1st 6s, 1931, 
West Jersey & Seashore 1st cons. 3|s, 1936, 

Miscellaneous Bonds. 
Hoboken Ferry Co. 1st 5s, 1946, 
Hudson County Gas Co. 1st 5s, 1949, 
Newark Cons. Gas Co. cons. 5s, 1948, 
Paterson & Passaic Gas & El. Co. cons. 5s, 1949, 
Trenton Gas & Elec. Co. 1st 5s, 1949, 



Book Value. 
$10,547 20 

16,788 

5,100 

18,000 

38,288 
7,000 



30 
00 
00 
80 
00 



25,680 
26,535 
10,500 

1,018 
24,156 
42,236 

5,000 

2,100 
91,537 
26,562 

7,183 
23,895 
10,050 
29,009 
24,800 

5,475 
39,968 
16,320 
15,750 
18,900 

3,202 
24,133 

9,729 
22,000 
50,562 

43,584 

9,600 

25,880 
26,812 
10,750 
14,735 
16,872 



00 
00 
00 
75 
10 
25 
00 
00 
50 
50 
50 
00 
00 
20 
00 
00 
75 
00 
00 
00 
50 
60 
00 
00 
50 

00 

00 

00 
50 
00 
00 
50 



Rate. 
103 
106 

98 
101 
102 

97 

93 
104 

98 
100 
100 
105 
100 
105 
104 
107 
100 

74 
100 
113 
125 
111 
108 

80 
105 
102 
103 
115 
100 
100 

98 
111 
114 
116 

92 

107 
104 
104 
101 
105 



Market Value. 

$10,300 00 

15,900 00 

4,900 00 

18,180 00 

38,760 00 

6,790 00 



24,180 
26,000 

9,800 

1,000 
23,000 
42,000 

5,000 

2,100 
88,400 
26,750 

7,000 
22,200 
10,000 
28,250 
25,000 

5,550 
37,800 
16,000 
15,750 
18,360 

3,090 
23,000 
10,000 
22,000 
49,000 

1,110 

3,420 
38,280 

9,200 

26,750 
26,000 
10,400 
14,140 
16,800 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 

00 
00 
00 
00 
00 



,495,302 15 



$1,472,528 00 



THE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N. H., 

CONCORD, N. H. 

Incorporated March 10, 1886. Commonced business March 19, 1S86. 

Paid-up Capital, $200,000. 

LYMAN JACKMAN, President. RUFUS N. ELWELL, Secretary. 

Home Office, 2 South Main Street. 

Income. 
Net fire premiums, ........ 

Gross interest on mortgages, $4,917.83; collaterals, $628.34; 

stocks and bonds, $27,014.02; bank deposits, $466.16; gross 

rents, $6,238.60, . . . 

Gross profit on sale or maturity of ledger assets, 
Agents' balances previously charged off, 
Borrowed money, .... 
From all other sources, . 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



$459,408 89 



39.264 95 

2,237 10 

35 04 

23,000 00 

100 00 



$524,045 98 
816,558 91 

$1,340,604 89 



170 



THE CAPITAL FIRE INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, . . . 
Commissions or brokerage, . . 
Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ....... 

Maps, including corrections, . .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, . . 

Insurance department licenses and fees, . ... 

Other licenses, fees and taxes, .... 

Gross loss on sale or maturity of bonds, . 
Borrowed money repaid, ..... 

Interest on borrowed money, ..... 

Agents' balances charged off, ..... 

Central Loan & Land Co., and Nebraska Loan & Trust Co. 
charged off, ....... 

All other disbursements, . . • . 

Total disbursements, ..... 



Balance, 



Ledger Assets. 



Book value of real estate, . . . • 
Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . 

Total ledger assets, . 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $1,215.42; bonds, $2,370.11; collateral loans, $117.82; 

other assets, $372.54, * 

Rents due and accrued on company's property, 

Market value of stocks and bonds over book value, . 

Due from other companies, ....... 

Gross assets, ......... 





. $261,665 16 




2,777 75 




10,350 00 




110,219 07 




1,159 83 




. ' 15,429 39 




15,543 94 




805 00 




2,547 54 




1,180 04 




251 64 




29 43 




452 65 




2,890 92 




4,402 72 




243 66 




1,967 33 




1,044 98 




5,783 42 




2,513 18 




3,137 78 




245 00 




23,000 00 




57 07 




289 39 


bonds 


3 




875 00 




508 39 


$469,370 28 


$871,234 61 


$86,171 62 




98,702 05 




12,700 00 




572,888 38 




7,595 04 




14,347 16 




12,122 00 




66,708 36 




$871,234 61 



4,075 


89 


481 


58 


6,912 


12 


881 


54 


$883,585 74 



THE CAPITAL FIKE INSURANCE CO. 



171 



Assets not admitted. 
Book value of real estate over market value, 

Admitted assets, . . . .• 

Liabilities. 
Unpaid losses, $73,300.39; less reinsurance, $15,392.42, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$200,000 00 
200,211 71 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, .. 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Pkemiums. 

Risks. 

$73,497,093 00 
53,955,241 00 



$5,971 62 

$877,614 12 



$57,907 97 

390,768 88 

18,725 56 

10,000 00 

$477,402 41 



400,211 71 
$877,614 12 



Premiums. 

,271 53 
648,836 31 



$127,452,334 00 $1,507,107 84 
50,054,652 00 622,880 82 



$77,397,682 00 
10,421,295 00 



,227 02 
131,396 02 



$66,976,387 00 $752,831 00 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, . . .. . 

Dividends declared during the year, 
Par value of company's stock owned by directors, 



Schedule A. Securities held as Collateral. 



£5,335,533 32 

2,965,342 27 

177,664 00 

271,970 42 

10,350 00 

42,600 00 



9 shares Concord & Montreal R.R. Class 4, 
12 " Concord & Montreal R.R. Class 1, . 
10 " National Bank of Lebanon, N. H., 
10 " Iowa Loan & Trust Co., Des Moines, Iowa, 

100 " Page Belting Co., 

Mallory S. S. Co. 1st 5s, 1932 

St. Paul & Des Moines R.R. 1st 4£s, 1936, 

Southern Indiana R.R. 1st 4s, 1951, . 



Company's 
Market Value. 
$1,440 00 \ 
1,896 
1,250 
1,750 
6,500 
1,800 
3,600 
800 



00 
00 

oo ; 

00 
00 1 
00 
00 



Loaned 
Thereon. 

$3,000 00 

1,700 00 
3,000 00 

5,000 00 



$19,036 00 



$12,700 00 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. 

65 shares Atch., Topeka & Santa Fe, com., . $6,890 63 

Atch., Topeka & Santa Fe, pref., . 5,975 63 



60 
25 
30 



Boston & Maine, .... 3,678 12 

Chicago Jet. & Un. Stk. Yds., pref., . 3,537 50 



Rate. 

101 

103 

120 

111 



Market Value. 

$6,565 00 

6,180 00 

3,000 00 

3,330 00 



172 



THE CAPITAL FIRE INSURANCE CO. 



30 shares Chicago, Milwaukee & St. Paul, 



45 
20 
25 
40 
94 
58 
10 
20 
60 
10 
45 
225 
20 
25 
30 



Chicago Northwestern, 

Concord & Montreal Class 4, 

Connecticut R.R. & Lighting Co. 

Delaware & Hudson Co., . 

Great Northern, preferred, 

Illinois Central, 

Manhattan Elevated, 

Massachusetts Elec. Co., pref., 

New York Cent. & Hudson River, 

New York, New Haven & Hartford, 

Northern Pacific, 

Pennsylvania, 

Southern Pacific, 

St. Paul & Des Moines, 

Union Pacific, . 



Bank Stocks. 
5 shares First National, Concord, N. H., 
75 " Mechanicks National, Concord, N. H. 
10 " National Bank of Lebanon, N. H., 
148 " Nat. State Capital, Concord, N. H., 

Miscellaneous Stocks. 
30 shares Am. Agricul. Chemical Co., pref., 
40 " American Locomotive Co., pref., 
80 " Am. Sugar Ref. Co., preferred, . 
125 " American Telephone & Tel. Co., 

25 " American Tobacco Co., preferred, 
64 " American Woolen Co., preferred, 

26 " Amoskeag Manufacturing Co., 
8 " Concord Axle Co., 

35 " Concord Electric Co., common, 

21 " Concord Electric Co., preferred, 
93 " Concord Real Estate Co., 
20 " Federal Sugar Refining Co., pref 
62 " General Electric Co., 
30 " Keokee Consolidated Coke Co., 
20 " Mackay Companies, preferred, 
20 " Mackay Companies, common, 

22 " Mergenthaler Linotype Co., 
30 " Missouri & Kansas Telephone Co., 

2 " Nashua Manufacturing Co., 
40 " Northern Securities Co., 
25 " Page Belting Co., 
25 " Prescott Piano Co., preferred, 
82 " Pullman Co., . 
60 " Swift & Co., . 

5 " The Woodbury E. Hunt Co., 
30 " Underwriters Fire Insurance Co., com 

3 " Underwriters Fire Insurance Co., pref 
5 " Underwriters Salvage Co., Chicago, 

23 " United Fruit Co., 

60 " United Shoe Machinery Co., pref., 
85 " United States Steel Co., preferred, 
10 " Virginia-Carolina Chem. Co., pref., 
1 " Western Adjust. & Inspection Co., 
5 " Western Tel. & Tel. Co., preferred, 
20 " Western Union Telegraph Co., . 
County and Municipal Bonds. 

Concord, N. H., 3|s, 1914, 

Concord, N. H., 3|s, 1919, 

Dover, N. H., 4s, 1912, . 

Farmington, N. H., 4s, 1918, 

Hillsborough Bridge, N. H., 4s, 1917, 

Keene, N. H., 4s, 1917, . 

Keene, N. H., 3£s, 1912, . 

Nashua, N. H., 4s, 1913, . 

New Rochelle. N. Y., 5s, 1921, . 

New York, N. Y., 3|s, 1953-54, 

New York, N. Y., 4s, 1936, 

Oneida Countv, N. Y., 4s, 1911, 

Portsmouth, N. H., 4s, 1916, . 



Book Value. 

$3,868 75 

6,312 50 

3,011 10 

1,956 25 

6,390 00 

12,097 50 

8,071 18 

1,396 25 

1,455 00 

6,557 50 

1,518 75 

5,571 88 

13,898 75 

2,356 25 

550 00 

4,802 50 

1,560 00 

11,330 00 

1,200 00 

34,334 00 

2,845 00 
3,757 50 
9,085 00 
14,641 23 
2,343 75 
5,693 76 
5,115 

896 
3,531 
2,363 
8,970 
1,702 
8,858 

450 
1,432 
1,601 
3,890 
3,075 
1,162 
4,000 00 
1,250 00 
2,500 00 
7,830 55 
6,232 50 

500 00 
4,800 00 

300 00 

500 00 
3,502 50 
1,913 75 
9,394 37 
1,211 25 

140 00 

498 13 
1,787 50 



00 
00 
00 
00 
00 
50 
35 
00 
50 
25 
00 
00 
50 



1,466 

946 

2,002 

5,000 

1,000 

2,014 

987 

1,005 

3,280 

54,107 

40,800 

3,000 

500 



25 

20 
50 
00 
00 
40 
50 
00 
50 
50 
00 
00 
00 



Rate. 
123 
145 
162 

74 
165 
123 
132 
141 

87 
113 
151 
116 
129 
117 

30 
173 

320 
150 
125 
235 

100 

108 

115 

143 

95 

92 

325 

120 

100 

110 

50 

85 

154 

15 

76 

93 

213 

40 

653 

100 

140 

50 

159 

102 

100 

200 

100 

100 

193 

117 

117 

123 

200 

91 

73 

99 

98 

100 

100 

100 

100 

99 

100 

106 

88 

99 

100 

101 



Market Value. 
$3,690 00 

6,525 00 

3,240 00 

1,850 00 

6,600 00 
11,562 00 

7,656 00 

1,410 

1,740 

6,780 

1,510 

5,220 
14,512 

2,340 
750 

5,190 



1,485 

980 

2,000 

5,000 

1,000 

2,000 

990 

1,000 

3,180 

50,160 

39,600 

3,000 

505 



00 
00 
00 
00 
00 
50 
00 
00 
00 



1,600 00 
11,250 00 

1,250 00 
34,780 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



3,000 
4,320 
9,200 
17,875 
2,375 
5,888 
8,450 

960 
3,500 
2,310 
4,650 
1,700 
9,548 

450 
1,520 
1,860 00 
4,686 00 
1,200 
1,306 
4,000 
1,750 
1,250 00 
13,038 00 
6,120 

500 
6,000 

300 

500 
4,439 
1,755 
9,945 
1,230 

200 

455 
1,460 



00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



THE CENTRAL MANUFACTURERS MUTUAL INSURANCE CO. 



173 



Richmond, Va., 4s, 1944, . 
Somersworth, N. H., 4s, 1915,-18, 
White Plains, N. Y., 5*s, 1912, . 
Yonkers, N. Y., 4s, 1913, . . . 

Railroad Bonds. 
Hudson Companies note, 6s, 1911, 
Massachusetts Electric Companies note, 4|s, 1913 
Pc-re Marquette of Indiana 1st 4s, 1943, 
Somerset 1st 4s, 1955, 
Southern Indiana 1st 4s, 1951, . 
St. Paul & Des Moines 4|s, 1936, 
Wabash equipment 4?s, 1911, 
Wisconsin Central (S. & D. Div.) 1st 4s, 1936, 

Miscellaneous Bonds. 
American Locomotive Co. note, 5s, 1911, 
American Locomotive Co. note, 5s, 1913, 
American Telephone & Telegraph Co. 4s, 1929, 
Cons. Gas, Elec. Lt. & Power Co., Bait., 4|s, 1935 
Denver Cons. Gas & Elec. Co. 5s, 1949, 
Eastman Car Co. note, 5fs, 1911, 
Elkhart Gas Co. 1st 5s, 1924, . 
Keene Gas & Electric Co. 5s, 1935, 
Keokee Consolidated Coke Co. 5s, 1959, 
Metropolitan Steamship Co. first 5s, 1939, . 
New York & Pennsylvania Tel. Co. 4s, 1929, 
Nipe Bay Co. 6s, 1914, .... 
Page Belting Co. note, 5?s, 1911, ' 
St. Clair Furnace Co. 1st 5s, 1924, 
United Fruit Co. 5s, 1917, 
United States Steel Corporation 5s, 1963, . 
Western Telephone & Tel. Co. col. trust 5s, 1932, 
Western Union Telegraph Co. 4£s, 1950, 
Wood Worsted Mills note, 4fs, 1911, . 



Book Value. 

$10,012 50 
3,000 00 
5,200 00 
4,970 50 



8,025 
7,830 
1,900 
960 
6,275 
8,500 
2,972 
8,650 



00 
00 
00 
00 
00 
00 
10 
00 



8,718 75 
10,000 00 

1,930 00 
850 

7,190 

2,500 

2,970 

5,925 

2,550 

5,100 

2,745 

5,000 
15,000 

4,987 

8,742 

9,068 

1,922 

7,315 

9,875 

$572,888 38 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
50 
00 
75 
50 
00 
00 



Rate. 

97 

99 

102 

100 

100 
98 
85 
90 
83 
90 

100 
93 

100 

100 

91 

85 

92 

100 

97 

102 

95 

80 

88 

100 

100 

102 

101 

104 

97 

96 

100 



Market Value. 

$9,700 00 

2,970 

5,100 

5,000 



8,000 
7,840 
1,700 
900 
5,810 
9,000 
3,000 
9,300 



00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 



9,000 00 
10,000 00 

1,820 00 
850 00 

7,360 00 

2,500 00 

2,910 

6,120 

2,850 

4,000 

2,640 

5,000 
15,000 

5,100 
10,100 
10,400 

1,940 

6,720 
10,000 

$579,800 50 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



THE CENTRAL MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, VAN WERT, OHIO. 

Incorporated April 7, 1876. Commenced business Oct. 2, 1876. 
H. V. OLNEY, President. C. A. L. PURMORT, Secretary. 

Office, 122 West Main Street. 

Income. 

Net premiums, $359,690 33 

Gross interest on mortgages, $5,205.55; bonds, $10,537.91; gross 

rents, including $1,200 for company's own occupancy, $3,082.67, 18,826 13 



Total income, 
Ledger assets, Dec. 31, 1909, .... 

Total, ....... 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries and expenses of special agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 



$378,516 46 
468,169 98 



$846,686 44 


$179,894 24 


1,498 


06 


65,296 


61 


40,271 


02 


6,893 


55 


16,675 


89 


1,200 


00 


1,357 


26 


1,663 


26 



174 THE CENTRAL MANUFACTURERS' MUTUAL INSURANCE CO. 



Legal expenses, . . . . . . 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes. 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 
Taxes on real estate, . . . 
State taxes on premiums, . . . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Premium on bonds purchased, .... 

All other disbursements, ..... 

Total disbursements, 



Balance, 



Ledger Assets. 



Book value of real estate, 

Mortgage loans on real estate, 

Book value of bonds (schedule A), . . . ' . 

Cash in office, . . . . . 

Deposits in trust companies and banks not on interest, 

Agents' balances, . . . ... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $1,701.85; bonds, $3,097.94, . 
Market value of bonds over book value, . 

Gross assets, . . . . . 

Liabilities. 
Unpaid losses, including $2,500 resisted, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 

Total, ^ . .... 
Surplus to policy holders, 

Total liabilities, including surplus, 



$1,306 34 


69 50 


401 45 


68 51 


216 16 


12,360 50 


198 29 


430 68 


3,464 03 


589 19 


2,012 62 


776 80 


4,208 63 


$340,852 59 


$505,833 85 


$40,000 00 


91,975 00 


305,300 00 


1,799 49 


19,338 78 


47,420 58 


$505,833 85 


4,799 79 


3,591 00 


$514,224 64 


$23,912 68 


165,407 56 


200 00 


2,515 39 


4,300 00 



In force Dec. 31, 1909, . 
Written during the year, 

Total, . _. . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $23,137,953 00 
. 29,617,483 00 



Cash Prem's. 

$332,644 33 
426,765 66 



$52,755,436 00 
28,649,358 00 



$759,409 99 
427,522 98 



$196,335 63 
317,889 01 

$514,224 64 



Conting't Prem's. 

$1,080,185 85 
755,989 47 

$1,836,175 32 
902,191 06 



$24,106,078 00 $331,887 01 $933,984 26 



CENTRAL NATIONAL FIRE INSURANCE CO. 



175 



Miscellaneous. 

Net premiums received from organization of company, . . $3,759,801 97 
Net losses paid from organization of company, . . . 1,868,708 20 

Cash dividends paid policy holders from organization of company, 544,856 42 
Losses incurred during the year, ...... 184,543 87 

Dividends to policy holders during 1910, 25 per cent. 

Schedule A. Bonds owned by the Company. 

Government Bonds. 

United States 2s, 1930 

United States 3s, 1918, op. 1908, 

County and Municipal Bonds 
Akron, Ohio, School Dist. 4s, 1923, 
Barnesville, O., 5s, 1918, . 
Barnesville, O., 5s, 1919-20, 
Barnesville, O., 5s, 1935, . 
Barnesville, O., 5s, 1936-42, 
Barnesville, O., 5s, 1943-44, 
Canton, O., School Dist. 4s, 1928, 
Cincinnati, O., School 4s, 1949, . 
Columbus, O., 4s, 1919, . 
Cuyahoga Co., O., 4s, 1922, 
Cuyahoga Co., O., 4s, 1928, 
Fostoria, O., 4s, 1925, 
Maumee, O., 4|s, 1937, . 
New Lexington, O., 4s, 1911-14, 
New Lexington, O., 4s, 1915-23, 
Putnam Co., O., 4s, 1919-21, . 
Toledo, O.. 4s, 1922,. 
Troy, O., 4s, 1920-26, 
Union City, O., School 4s, 1916-24, 
Van Wert Co., O., Harrison Tp. 4s, 1911-26 
Van Wert Co., O., York Tp. 4s, 1924-29, 
Wellsville, O., 4|s, 1925, . 
Wellsville, O., 4±s, 1926-29, ■ . 
Wellsville, O., 4^s, 1930-31, 



Book Value. 


Rate. 


Market Value . 


$50,000 


00 


101 


$50,500 00 


1,800 


00 


102 


1,836 00 


16,000 


00 


100 


16,000 00 


1,000 


00 


103 


1,030 00 


2,000 


00 


104 


2,080 00 


1,000 


00 


107 


1,070 00 


7,000 


00 


108 


7,560 00 


1,500 


do 


109 


1,635 00 


23,000 


00 


100 


23,000 00 


10,000 


00 


102 


10,200 00 


20,000 


00 


100 


20,000 00 


10,000 


00 


101 


10,100 00 


15,000 


00 


102 


15,300 00 


8,000 


00 


100 


8,000 00 


9,000 


00 


104 


9,360 00 


2,000 


00 


100 


2,000 00 


4,500 


00 


99 


4,455 00 


20,000 


00 


100 


20,000 00 


25,000 


00 


101 


25,250 00 


19,500 


00 


100 


19,500 00 


18,000 


00 


100 


18,000 00 


7,500 


00 


100 


7,500 00 


17,000 


00 


100 


17,000 00 


2,500 


00 


105 


2,625 00 


9,000 


00 


106 


9,540 00 


5,000 


00 


107 


5,350 00 


$305,300 


00 


$308,891 00 



CENTRAL NATIONAL FIRE INSURANCE COMPANY, CHICAGO, ILL. 

Incorporated March 6, 1909. Commenced business March 8, 1909. 
Cash Capital, $300,000. 



JAMES B. HOBBS, President. 



F. M. RICE, Secretary. 



Home Office, 184 La Salle Street. 

Income. 
Net fire premiums, . . . . . 

Gross interest on mortgages, $2,202.44; collaterals, $414.25; 

stocks and bonds, $10,771.66; bank deposits, $1,248.30; all 

other, $62.82, 

Gross profit on sale of bonds, ....... 

Premium on increase in capital, . . 

Total income, ........ 

Ledger assets, Dec. 31, 1909, plus $100,000 increase in capital, . 

Total, . . . . 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 



$542,353 49 



14,699 47 
43 75 
100,000 00 

$657,096 71 
530,959 61 

$1,188,056 32 



$162,210 23 
1,880 75 



176 



CENTRAL NATIONAL FIRE INSURANCE CO. 



Commissions or brokerage, . . . .' 

Salaries and expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, . . . . . . 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 
Gross loss on sale or maturity of bonds, . 
Premium on mortgages purchased, .... 

Accrued interest on mortgages purchased, 
All other disbursements, 

Total disbursements, . . . . 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, ..... 

Loans secured by collateral (110 shares Dodd & Smithers, Inc.), 
Book value of stocks and bonds (schedule A) , . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 

Premium on mortgages purchased, .... 



Total ledger assets, 



Non-Ledger Assets. 



t,964.96; other assets, $33.05, 



Interest accrued on: — 
Mortgages, $3,933.68; bonds, : 
Furniture, fixtures and maps, 
Due from other companies, 

Gross assets, . 



Assets not admitted. 

Furniture, fixtures and maps, 

Agents' balances over three months due, . 

Bills receivable, past due, taken for premiums, 

Book value of stocks and bonds over market value, 

Due from unauthorized companies, 

Premium on mortgages purchased, . 



$5,365 51 

4,268 82 

574 99 

5,869 79 

661 13 

175 00 



Admitted assets, ...... 

Liabilities. 

Unpaid losses, $29,823.46; less reinsurance, $1,372.60, 
Unearned premiums on outstanding risks, 



$163,021 70 

19.643 16 

33,039 42 

2,168 66 

6,735 

5,060 

1,796 

1,714 

1,046 

1,825 

764 

912 

4,889 

5,853 

216 

50 

2,557 

1,304 



55 
09 
28 
10 
58 
44 
57 
00 
61 
79 
53 
00 
37 
76 



$416,690 59 
$771,365 73 



$128,260 00 

9,500 00 

406,498 79 

21,560 62 

8,250 00 

68,260 24 

91,451 67 

37,409 41 

175 00 

$771,365 73 



8,931 69 
5,365 51 
2,868 45 

$788,531 38 



16,915 24 
$771,616 14 



$28,450 86 
302,518 33 



CENTRAL NATIONAL FIRE INSURANCE CO. 



177 



Dividends declared to stockholders, . 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 

Total, . . . . . . 

Cash capital, . ..... 

Surplus over all liabilities, . . . 
Surplus to policy holders, . . . . 

Total liabilities, including surplus, 

Risks and Premiums. 



$300,000 00 
100,678 32 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$8,428,676 00 
47,035,131 00 

$55,463,807 00 
15,540,226 00 

$39,923,581 00 
1,903,398 00 



$12,000 00 

511 83 

8,000 00 

19,456 80 

$370,937 82 



400,678 32 
$771,616 14 



Premiums. 

$116,473 93 
701,225 21 

$817,699 14 
294,821 93 

$522,877 21 
21,145 99 



$38,020,183 00 $501,731 22 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (4 per cent.), 
Par value of company's stock owned by directors, 



$723,315 57 

216,692 65 

12,000 00 

174,293 72 

12,000 00 

91,675 00 



Schedule A. Stocks and Bonds owned by the Company. 



Stocks. 
100 shares Merchants & Mfrs. Bank, Mil 
1 share Western Adj. & Inspection Co. 

County and Municipal Bonds. 
Bushnell, 111., 5s, 1919-23, op. 1916, 
Carmi, 111., 5s, 1914-16, op. 1910, 
Chicago, 111., 4|s, 1924, . 
Chicago, 111., 4|s, 1918, . 
Chicago, 111., 4s, 1918-21, 
Chicago, 111., Sanitary Dist. 4s, 1917-19, 
Chicago, 111., Sanitary Dist. 4s, 1921-22, 
Cook County, 111., 4fs, 1918, 
Douglas Co., 111., 5s, 1917-19, op., 
Douglas Co., 111., 5s, 1920, op., . 
East St. Louis, 111., 4|s, 1928, . 
Fernwood Park Dist., 111., 4|s, 1921-27, 
Franklin Co., 111., 5s, 1920-22, . 
Franklin Co., 111., 5s, 1923, 
Independence, Kansas, 4Js, 1917-18, 
Kane Co., 111., 4s, 1919, . 
Kaw Val. Drain. Dis. (Wyn. Co. Kan.) 5s, 
Lawrence Co., 111., 6s, 1913, 
Lawrence Co., 111., 6s, 1914, 
Lawrence Co., 111., 6s, 1915, 
Marissa, 111., 5s, 1911-12, 
Maroa, 111., 5s, 1915, 
Maroa, 111., 5s, 1916, 
Maroa, 111., 5s, 1917-18, 
Maroa, 111., 5s, 1919, 



Wis., 



1940, 



Book Value. 

$6,000 00 

200 00 



10,861 

10,218 

16,087 

5,240 

3,000 

14,906 

3,107 

5,229 

10,787 
5,063 

9,255 

5,000 
9,815 
5,196 



20 
45 
50 
00 
00 

25 

10 

00 

50 
00 

11 

00 
00 
50 



13,707 60 
3,563 35 



5,166 30 



Rate. 
105 
200 

103 
102 
105 
103 
100 
100 
99 
102 
104 
105 
103 
101 
104 
105 
100 
100 
104 
104 
105 
107 
100 
102 
103 
104 
105 



Market Value. 

$5,250 00 
200 00 

10,815 00 
10,200 00 
15,750 00 

5,150 00 

3,000 00 
13,000 00 

1,980 00 

3,060 00 

3,640 00 

1,575 00 
10,300 00 

5,050 00 

6,240 

3,045 

5,000 
10,000 

5,200 00 

3,120 00 

5,250 

5,350 

3,500 

1,020 

1,030 

2,080 

1,050 



00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 



178 



CENTRAL NATIONAL FIRE INSURANCE CO. 



Marseilles, 111., 5s, 1916, . 

Marseilles, 111., 5s, 1917-18, 

Marseilles, 111., 5s, 1919, . 

New York, N. Y., 4s, 1959, 

Pana, 111., 4s, 1918, op. 1908, 

Peoria, 111., 4s, 1926-28, . 

Rockford, 111., 4s, 1929, . 

Rossville, 111., 6s, 1920, 

Rossville, 111., 6s, 1921, 

Rossville, 111., 6s, 1922-23, 

Rossville, 111., 6s, 1924, 

St. Clair Co., 111., 5s, 1913-14, 

St. Clair Co., 111., 5s, 1921-24, 

Saline Co., 111., 5s, 1912-13, 

Saline Co., 111., 5s, 1914, . 

Saline Co., 111., 5s, 1915-16, 

Saline Co., 111., 5s, 1917-19, 

Saline Co., 111., 5s, 1920-21, 

Silvis, 111., 5s, 1911-16, 

Stronghurst, 111., 5s, 1915, 

Stronghurst, 111., 5s, 1916-17, 

Stronghurst, 111., 5s, 1918-19, 

Stronghurst, 111., 5s, 1920, 

Union County, 111., 5s, 1913-14, 

Union County, 111., 5s, 1915-16, 

Union County, 111., 5s, 1917-18, 

Union County, 111., 5s, 1919-20, 

Union County, 111., 5s, 1921-22, 

Union County, 111., 5s, 1923-25, 

Vermilion Co., 111., 4s, 1912-13, 

Vermilion Co., 111., 5s, 1919-20, 

Vermilion Co., 111., 5s, 1921-22, 

Waukegan, Lake Co., 111., 4Js, 1914, 

Waukegan, Lake Co., 111., 4}s, 1915-20, 

White Plains, West. Co., N. Y., 4s, 1912-14, 

White Plains, West. Co., N. Y., 4s, 1915-16, 

Williamson County, 111., 4§s, 1914-23, 

Railroad Bonds. 
Chic, Mil. & St. Paul. deb. 4s, 1934, . 
Lincoln, Neb., Traction Co. 5s, 1939, 
Mahoning & Shenango Ry. & Lt. 5s, 1916, 
Milwaukee Elec. Ry. & Lt. Co. 4|s, 1931, . 
Peoria 1st ref. 5s, 1919, .... 
Springfield, Mo. Ry. & Lt. Co., 5s, 1926, . 
Wichita Falls & N. W. of Okla. 5s, 1939, . 

Miscellaneous Bonds. 
Butte Electric & Power Co. 1st 5s, 1951, 
Cincinnati Gas & Transp. Co. (guar, by Col. Gas 
& Elec. Co. and Cin. Gas & Elec. Co.) 5s, 1933, 
Citizens Gas & Elec. Lt. Co., Iowa, 5s, 1926, 
Com'lth Elec. Co., Chicago, 5s, 1943, 
Com'lth Power Co., Mich., 5s, 1924, . 
Cons. Gas, Elec. Lt. & Power Co. 4|s, 1935 
Cooper Underwear Co., Wis., 5fs, 1912, 
Economy Light & Power Co. 5s, 1956, 
Jacksonville Gas. Co. 5s, 1937, . 
Milwaukee Western Fuel Co. 5s, 1916, 
North Shore Gas. Co. 5s, 1931, . 
Peoples Gas, Lt. & Coke Co. 5s, 1947, 
Seattle Lighting Co. 5s, 1949, . 
So. California Edison Co. 5s, 1939, 
Union Elec. Lt. & Power Co., St. Louis, 5s, 1933, 
Western United Gas & Elec. Co. 5s, 1950, . 



Book Value. 



,487 50 



5,028 12 

7,847 20 

10,312 50 

10,325 00 

5,525 50 

5,106 50 

10,592 50 



5,198 30 - 

3,105 00 

5,728 86 < 

13,080 70 < 

9,924 50 
5,250 00 

7,098 40 

4,965 60 
10,450 00 



00 
00 



4,750 00 
4,750 00 
4,850 

4,825 
9,750 00 
9,700 00 
4,875 00 

5,000 00 

9,750 00 
4,862 50 
5,156 25 
5,000 00 
8,700 00 
2,500 00 
4,800 00 
9,725 00 
500 00 
4,900 00 
5,175 00 
4,875 00 
4,875 00 
4,950 00 
9,800 00 



Rate. 
102 
103 
104 
100 

98 
100 

98 
108 
109 
110 
111 
101 
102 
101 
102 
103 
104 
105 
100 
103 
104 
105 
106 
102 
103 
104 
105 
106 
107 

99 
105 
106 
100 
101 
100 

99 
100 

93 
92 
96 
93 
97 
96 
97 

97 

98 

100 

101 

99 

85 

100 

96 

90 

100 

99 

102 

97 

96 

97 

96 



Market Value. 

$1,020 00 

6,180 00 

3,120 

5,000 

7,840 

10,000 

9,800 

1,080 

1,090 

2,200 

1,110 

5,050 00 

10,200 00 

606 00 

306 

618 

936 
2,730 
3,000 

824 
1,664 
2,100 
1,060 
2,040 
2,060 
2,080 
2,100 
2,120 
2,675 
9,900 
2,625 
2,650 
1,000 
6,060 00 
3,000 00 
1,980 00 
10,000 00 

4,650 00 
4,600 00 
4,800 00 
4,650 00 
9,700 00 
9,600 00 
4,850 00 

4,850 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 



9,800 
5,000 
5,050 
4,950 
8,500 
2,500 
4,800 
9,000 00 
500 00 
4,950 00 
5,100 00 
4,850 
4,800 
4,850 
9,600 



00 
00 
00 
00 



$406,498 79 



$400,629 00 



CITIZENS INSURANCE CO. 



179 



CITIZENS' INSURANCE COMPANY OF MISSOURI, ST. LOUIS, MO. 

Incorporated Feb. 2, 1837. Commenced business February, 1837. 

Paid-up Capital, $200,000. 

CHARLES E. CHASE, President. P. O. CROCKER, Secretary. 

Home Office, 1101 Pierce Building. 

Income. 

Net fire premiums, $569,324.24; marine, $77.62, . • . . $569,401 86 
Gross interest on mortgages, $5,750.61; stocks and bonds, 
$23,101.29; bank deposits, $1,681.07, ...... 30,532 97 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 



Balance, 



Ledger Assets. 



Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, • . . . . 



. $599,934 83 
. 850,275 64 

. $1,450,210 47 



$315,346 83 

5,550 07 

22,000 00 

99,499 83 

50,720 93 

17,463 79 

3,440 23 

4,224 75 

6,949 87 

303 83 

352 43 

591 99 

6,462 06 

2,971 85 

4,528 71 

12,770 73 

4,882 04 

5,559 89 

42 37 

835 28 

$564,497 48 

$885,712 99 



$102,700 00 

564,351 25 

2,210 74 

2,794 42 

113,268 70 

100,387 88 

$885,712 99 



180 



CITIZENS INSURANCE CO. 



Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $860; bonds^ $8,805; other assets, $322.05, 
Due from other companies, ..... 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . 
Book value of stocks and bonds over market value, . 

Admitted assets, . . . . . . 



),987 05 
249 19 



$837 78 
14,426 25 



Liabilities. 
Unpaid losses, including $10,196.49 resisted, $190,210.46; less 
reinsurance, $138,455.18, ....... 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$200,000 00 
162,873 29 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks written during the year, 
Expired and terminated, 



Risks. 

. $228,901,359 00 
. 188,362,596 00 



$895,949 23 



15,264 03 
$880,685 20 



$51,755 28 

459,214 38 

1,152 25 

5,690 00 

$517,811 91 



362,873 29 
$880,685 20 



Premiums. 

$2,906,677 97 
2,197,557 21 



$417,263,955 00 $5,104,235 18 
184,048,389 00 2,207,505 59 



$233,215,566 00 
161,820,996 00 



^2,896,729 59 
2,018,040 59 



$71,394,570 00 $878,689 00 



$43,027 00 
43.027 00 



$206 98 
206 98 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (11 per cent.), 
Par value of company's stock owned by directors, 



$11,590,138 36 
6,673.617 73 
1,039,798 00 
165,000 00 
•328,430 24 
22,000 00 
900 00 



Schedule A. Stocks and Bonds owned by the Company. 

Miscellaneous Stocks. Book Value. Rate. Market Value. 

1 share General Adjust. Bureau, N. Y., . . $50 00 100 $50 00 

2 shares Southern Adjust. Bureau, Atlanta, . 100 00 100 100 00 
5 " Underwriters' Salvage Co., of Chicago, . 500 00 100 500 00 
1 share Western Adjust. & Insp. Co., Chicago, . 125 00 200 200 00 



CITY OF NEW YORK INSURANCE CO. 



181 



State and Municipal Bonds. 

Georgia 3£s, 1918, 

St. Louis, Mo., 4s, 1928, .... 
Virginia 3s, 1992, . ■ .. . 

Railroad Bonds. 
Atlantic Coast Line (L. & N. Col.) 4s, 1952, 
Baltimore & Ohio (South West Div.) 3 is, 1925, 
Brooklyn Union Elevated 1st 5s, 1950, 
Chesapeake & Ohio 1st cons. 5s, 1939, 
Elgin, Joliet & Eastern 1st 5s, 1941, . 
International & Gt. Northern 1st 6s, 1919, . 
Iowa Central 1st 5s, 1938, .... 
Louisville, Henderson & St. Louis 1st 5s, 1946, 
Missouri Pacific 1st cons. 6s, 1920, 
N. Y., N. H. & H. conv. deb. 6s, 1948, 
Southern (Memphis Div.) 5s, 1996, . 



Book Value. 


Rate. 


Market Value. 


$9,900 


00 


98 


$9,800 00 


108,581 


25 


100 


105,000 00 


9,765 


00 


87 


9,135 00 


24,000 


00 


93 


23,250 00 


67,875 


00 


91 


68,250 00 


50,500 


00 


101 


50,500 00 


47,500 


00 


113 


45,200 00 


28,500 


00 


109 


27,250 00 


57,765 


00 


108 


51,840 00 


28,656 


25 


104 


26,000 00 


37,187 


50 


109 


38,150 00 


17,475 


00 


109 


16,350 00 


39,477 


50 


134 


40,200 00 


36,393 


75 


109 


38,150 00 


$564,351 


25 


$549,925 00 



CITY OF NEW YORK INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April, 1905. Commenced business April 12, 1905. 

Paid-tjp Capital, $500,000. 

MAJOR A. WHITE, President. J. CARROLL FRENCH, Secretary. 

Home Office, 42 Cedar Street. 



Income. 
Net fire premiums, ........ 

Gross interest on mortgages, $7,375.19; stocks and bonds, 

$38,139.30; bank deposits, $4,148.03, 

Gross profit on sale of stocks, . . . • 

Borrowed money, ......... 

Total income, ...... 

Ledger assets, Dec. 31, 1909, ....... 



$571,426 75 

49,662 52 

2,317 00 

50,000 00 

$673,406 27 

1,415,877 77 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . . 
Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Borrowed money repaid, 



$2,089,284 04 


$233,679 04 


4,756 23 


42,500 00 


108,308 84 


21,949 35 


51,664 68 


10,317 50 


8,108 93 


6,340 17 


625 79 


658 32 


6,395 83 


3,387 88 


3,436 08 


1,276 63 


8,240 77 


5,200 27 


1,590 43 


3,066 26 


50,000 00 



182 



CITY OF NEW YORK INSURANCE CO. 



Interest on borrowed money, . . • . . . . $483 33 

Agents' balances charged off, ....... 599 85 

All other disbursements, ....... 3,716 87 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, . . . . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,957.50; bonds, $5,208.33, . . . . . 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . . . $1,440 36 
Book value of stocks and bonds over market value, . 73,589 13 

Admitted assets, . 

Liabilities. 

Unpaid losses, including $5,875 resisted, $63,760; less reinsurance, 

$31,771.66, . . ' . . m . 

Unearned premiums on outstanding risks, 
Dividends declared to stockholders, . 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 



$576,303 05 
$1,512,980 99 



$246,000 00 

1,109,214 13 

1,410 87 

33,699 75 

122,656 24 

$1,512,980 99 



7,165 83 
,520,146 82 



$500,000 00 
416,579 02 



75,029 49 
$1,445,117 33 

$31,988 34 

442,815 04 

12,500 00 

500 00 

3,000 00 

37,734 93 

$528,538 31 
916,579 02 



Total, 

Cash capital, . . 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . — 

Total liabilities, including surplus, 

Risks and Premiums. 

Fire risks in force Dec. 31, 1909, . . . $84,424,137 00 $807,564 63 



,445,117 33 



Fire risks written during the year, 

Total, . 
Expired and terminated, 

.< i 
In force at end of year, . 

Deduct amount reinsured, 
Net amount in force, 



91,913,643 00 917,753 27 



$176,337,780 00 $1,725,317 90 
68,872,674 00 671,755 53 



$107,465,106 00 $1,053,562 37 
25,257,415 00 250,175 94 



$82,207,691 00 $803,386 43 



THE COLONIAL ASSURANCE CO. 



183 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



!,066,345 03 

855,839 84 

70,000 00 

239,623 05 

50,000 00 

78,500 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
400 shares Atchison, Topeka & Sante Fe, 



300 
500 
500 
300 
300 
500 
100 
200 
100 
500 
450 
400 
500 



Baltimore & Ohio, 

Chesapeake & Ohio, . 

Chicago, Milwaukee & St. Paul, 

Delaware & Hudson, 

Erie 1st preferred, 

Great Northern preferred, 

Great Northern Iron Ore Ctfs., 

Louisville & Nashville, 

Manhattan, New York, 

Northern Pacific, 

Pennsylvania, . 

Southern Pacific, 

Union Pacific, . 



Miscellaneous Stocks. 
450 shares Consolidated Gas Co., N. Y., 
800 " Maiden Lane and Wm. St. Co., N. Y. 

Slate and Municipal Bonds. 
New York State Canal Improvement 3s, 1959, 
New York, N. Y., 3 is, 1954, 
Savannah, Ga., 4|s, 1959, . . 

Railroad Bonds. 
Chesapeake & Ohio conv. 4fs, 1930, . 

Miscellaneous Bonds. 
Mortgage Bond Co. 4s, 1966, . 
New York & Westchester Lighting Co. 5s, 1954, 



Book Value. 
$42,475 00 
33,990 38 
45,287 50 
63,362 
52,237 
21,625 
79,190 



50 
50 
00 
00 



29,075 
16,662 
62,880 
29,525 
51,275 
90,650 



00 
50 
00 
00 
00 
00 



76,618 75 
80,000 00 

205,260 00 
25,562 50 
10,900 00 

18,700 00 

22,437 50 
51,500 00 

,109,214 13 



Rate. 
101 
105 

80 
123 
165 

46 
123 

57 
145 
141 
116 
129 
117 
173 

136 
100 

101 

88 

108 

94 

90 
102 



Market Value. 
$40,400 00 
31,500 
40,000 
61,500 
49,500 
13,800 
61,500 
5,700 
29,000 
14,100 
58,000 
29,025 
46,800 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



86,500 00 

61,200 00 
80,000 00 

202,000 00 
22,000 00 
10,800 00 

18,800 00 

22,500 00 
51,000 00 

,035,625 00 



THE COLONIAL ASSURANCE COMPANY OF THE CITY OF NEW 

YORK, NEW YORK, N. Y. 

Incorporated June 15, 1896. Commenced business July 15, 1896. 

Paid-up Capital, $200,000. 
LEO H. WISE, President. E. E. HALL, Secretary. 

Home Office, 123 William Street. 



Income. 
Net fire premiums, . . . . . . 

Gross interest on bonds, $11,400; bank deposits, $1,076.09, 
From all other sources, ....... 

Total income, ....... 

Ledger assets, Dec. 31, 1909, ...... 

Total, . . . ... 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 



$77,200 51 

12,476 09 

60 66 



),737 26 
338,913 39 

$428,650 65 



$14,700 88 
428 12 



184 



THE COLONIAL ASSURANCE CO. 



Dividends to stockholders, . . . 
Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Legal expenses, ....... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross decrease in book value of bonds, 
All other disbursements, . . . 

Total disbursements, . . 

Balance, 

Ledger Assets. 
Book value of bonds (schedule A), . 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ........ 

Total ledger assets, ...... 

Non-Ledger Assets. 

Interest accrued on bonds, ...... 

Market value of bonds over book value, .... 

Gross assets, ........ 

Liabilities. 
Unpaid losses, including $3,160 resisted, .... 
Unearned premiums on outstanding risks, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $2,352.80; reinsurance, $1,130.78, 



Total, . . . . . . . 

Cash capital, ...... 

Surplus over all liabilities, . 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$200,000 00 
102,162 32 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$8,604,831 00 
13,329,389 00 

$21,934,220 00 
11,187,467 00 

$10,746,753 00 
506,624 00 



$16,000 00 

27,156 73 

2,170 00 

41 85 

436 88 

376 66 

155 64 

648 90 

389 50 

401 99 

16,425 00 

1,455 40 

$80,787 55 

$347,863 10 



$287,100 00 

854 43 

41,992 89 

17,915 78 

$347,863 10 



1,566 66 
1,150 00 

$350,579 76 



$5,840 00 

37,843 86 

1,250 00 

3,483 58 



*,417 44 
302,162 32 



$350,579 76 



Premiums. 

$59,418 45 
92^74 49 

$151,792 94 
75,635 52 

$76,157 42 
3,228 45 



$10,240,129 00 $72,928 97 



COLUMBIA INSURANCE CO. 



185 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (8 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company 



Government Bonds. 
United States (Phil. Is.) 4s, 1934, op. 1914,. 
United States (Phil. Is.) 4s, 1935, op. 1915,. 

Municipal Bonds. 
New York, N. Y., 4s, 1959, 



Book Value. 

$126,250 00 

101,000 00 

59,850 00 
$287,100 00 



Rate. 
101 
102 

100 



£4,939,562 39 

3,258,110 30 

110,000 00 

15,766 54 

16,000 00 

107,550 00 



Market Value. 

$126,250 00 

102,000 00 

60,000 00 
$288,250 00 



COLUMBIA INSURANCE COMPANY, JERSEY CITY, N. J. 

Incorporated March 21, 1901. Commenced business March 21, 1901. 

Paid-up Capital, 8400,000. 
GEO. F. CRANE, President. C. E. DEAN, Secretary. 

Home Office, 15 Exchange Place. 

Income. 

Net marine premiums, ........ $301,634 40 

Gross interest on bonds, $24,523.88; bank deposits, $1,496.18; 
all other, $300, . 26,320 06 

Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 

Net amount paid policy holders for marine losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Underwriters' boards and tariff associations, 
Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Gross decrease in book value of bonds, 
Agents' balances charged off, .... 

All other disbursements, . . 

Total disbursements, .... 

Balance, $824,675 76 



$327,954 46 


738,802 36 


$1,066,756 82 


$127,677 60 


83,697 


32 


1,034 89 


6,655 


13 


8,684 37 


598 


50 


2,213 


20 


622 


91 


504 98 


121 


57 


678 


32 


503 


11 


5,862 


65 


1,214 


94 


1,899 


33 


49 74 


62 


50 


$242,081 06 



186 



COLUMBIA INSURANCE CO. 



Ledger Assets. 
Book value of bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Cash deposit in Ontario, 

Total ledger assets, 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $7,466.22; other assets, $62.50, . 

Gross assets, . . . . 

Assets not admitted. 
Agents' balances over three months due, . 
Book value of bonds over market value, . 
Special deposits less $13,986.48 liability thereon, 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 

Total, 

Cash capital, ..... 

Surplus over all liabilities, 
Surplus to policy holders, 



Total liabilities, including surplus, 

Risks and Premiums. 



$715,267 27 
21,409 92 
77,998 57 
10,000 00 



. 


$824,675 76 


. 


7,528 72: 


. 


$832,204 48 


D. 

. $8,021 02 
. 46,262 27 
. 15,213 52 


69,496 81 


. 


$762,707 67 


• 


$8,147 18 
139,413 06 




500 00 


I, . . . 


5,000 00 


$400,000 00 
209,647 43 


$153,060 24 
609,647 43 



Marine risks in force Dec. 31, 1909, 
Marine risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$47,414,677 
123,455,595 



$762,707 67 



Premiums. 

00 $552,631 85 
00 897,223 08 



$170,870,272 
111,852,965 



00 $1,449,854 93- 
00 788,455 17 



$59,017,307 
42,179,668 



00 $661,399 76 
00 385,435 78 



$16,837,639 00 $275,963 98 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Marine and inland losses incurred during the year, . 
Par value of company's stock owned by directors, 



$2,142,022 73 

1,052,266 47 

14,000 00 

131,914 29 

700 00 



COMMERCE INSURANCE CO. 



187 



Schedule A. Bonds owned by the Company. 



State, County and Municipal Bonds. 
Bergen Co., N. J., 4^s, 1935-37, 
Binghamton, N. Y., 3£s, 1937, . 
Buffalo, N. Y., 3§s, 1917-18, . 
Buffalo, N. Y., 3£s, 1919-21, . 
Buffalo, N. Y., 3§s, 1922, . 
Georgia 4|s, 1915, .... 
Jersey City, N. J., 5s, 1916, 
New York, N. Y., 3£s, 1940-42, 
New York, N. Y., 3|s, 1920, 
Ontario, Can., debentures 3£s, 1926, . 
Toronto, Can., improvement deb. 3£s, 1916, 

Railroad Bonds. 
Central of New Jersey 5s, 1987, 
Chicago, Burlington & Quincy gen. 4s, 1958, 
Chicago & Northwestern 3|s, 1987, 
Lake Shore & Michigan Southern 4s, 1931, 

Lehigh Valley 4|s, 1940 

National of Mexico 4|s, 1926, . 

New York Cent. & Hud. River ref. 3|s, 1997, 

New York. New Haven & Hartford 4s, 1956, 

Northern Pacific 4s, 1997, 

Nor. Pac.-Gt. Nor. (C. B. & Q. col.) 4s, 1921, 

Oregon Short Line refunding 4s, 1929, 

St. Louis, Iron Mt. & Southern 1st 4s, 1933, 

Miscellaneous Bonds. 
American Dock & Imp. 1st 5s, 1921, . 



Book Value. 

$36,372 50 

53,268 97 

61,805 88 

10,392 00 

107,669 78 

120,108 60 

64,815 88 

10,000 00 

9,608 00 



06 
50 
00 
25 
01 



1,248 
29,887 
13,790 
18,631 
10,703 
12,000 00 

9,600 00 
28,612 50 
25,498 22 
32,443 75 
23,907 62 
18,475 00 

16,428 75 

$715,267 27 



Rate. 

106 

91 

97 

96 

95 

103 

104 

88 

95 

95 

97 

122 
97 
88 
93 

107 

102 
90 
94 

101 
96 
93 
85 

109 



Market Value. 

$37,100 00 

45,500 00 

19,400 00 

28,800 00 

9,500 00 

10,300 00 

104,000 00 

99,000 00 

59,375 00 

9,500 00 

9,700 00 



1,220 
29,100 
12,320 
18,600 
10,700 
12,240 

9,000 
28,200 
25,250 
33,600 
23,250 
17,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



16,350 00 
$669,005 00 



COMMERCE INSURANCE COMPANY, ALBANY, N. Y. 

Incorporated June 1, 1859. Commenced business June 1, 1859. 

Paid-up Capital, $200,000. 

E. DARWIN JENISON, President. ADDISON J. HINMAN, Secretary. 

Home Office, 57 State Street. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $1,276.14; stocks and bonds, 
$20,273.19; bank deposits, $315.83; gross rents, including 
$1,600 for company's own occupancy, $10,504.27, . 

Gross increase in book value of real estate, .... 

From all other sources, ........ 

Total income, ........ 

Ledger assets, Dec. 31, 1909, ....... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 
Commissions or brokerage, .... 
Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 



$266,445 31 



32,369 43 

5,000 00 

26 30 

$303,841 04 
661,202 10 

$965,043 14 



$112,896 55 

2,260 69 

20,000 00 

64,685 98 

5,527 28 

12,900 64 

1,600 00 

4,687 64 



188 



COMMERCE INSURANCE CO. 



Postage, telegrams, telephone and express, 

Legal expenses, 

Furniture and fixtures, . 

Maps, including corrections, . . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, . . 

Taxes on real estate, ...... 

State taxes on premiums, . . 

Insurance department licenses and fees, . 

Gross loss on sale of bonds, . 

All other disbursements, ..... 

Total disbursements, . . . . . 

Balance, ....... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $125; bonds, $3,608.95, . . 

Rents accrued on company's property, ..... 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . . $543 51 
Book value of stocks and bonds over market value, . 5,026 25 



Admitted assets, 



Liabilities. 
$3,353.45 resisted, 



Unpaid losses, including 

reinsurance, $150, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, 



$24,208.04; less 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$200,000 00 
250,299 30 



$2,149 41 

402 05 

265 25 

1,309 85 

1,752 69 

1,806 27 

506 50 

4,319 96 

1,889 28 

5,874 42 

1,759 52 

6,625 00 

552 62 

$253,771 60 

$711,271 54 



$75,000 00 
29,650 00 

543,592 00 

2,777 72 

23,795 74 

36,456 08 

$711,271 54 



3,733 95 
372 50 

$715,377 99 

5,569 76 
$709,808 23 



$24,058 04 

227,295 98 

2,300 00 

300 00 

4,200 00 

1,354 91 

$259,508 93 



450,299 30 
$709,808 23 



COMMERCE INSURANCE CO. 



189 



Risks and Premiums. 



Risks. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, , 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 



$45,417,336 00 
31,701,110 00 

$77,118,446 00 
32,076,845 00 

$45,041,601 00 
3,599,447 00 



Premiums. 

$451,039 83 
336,801 92 

$787,841 75 
316,180 00 

$471,661 75 
38,697 61 



$41,442,154 00 $432,964 14 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (10 per cent.), 

Par value of company's stock owned by directors, 



^8,090,891 00 

4,776,999 00 

1,096,000 00 

121,929 91 

20,000 00 

51,325 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Delaware & Hudson, 
100 " New York Central & H. R., 
450 " Pennsylvania, .... 
100 " Rome, Watertown & Ogdensburgh, 
100 " Sou. Pacific, .... 

Bank Stocks. 
100 shares First National, Albany, N. Y., . 
50 " National Bank of Cohoes, N. Y., 
50 " National Commercial, Albany, . 

Miscellaneous Stocks. 

4 shares General Adjust. Bureau, N. Y., . 
160 " Kings Co. Elec. Lt. & Power Co., 

50 " Municipal Gas Co., Albany, N. Y., 

5 " Underwriters' Salvage Co., N. Y., 

5 " Underwriters Salvage Co., Chicago, 
1 " Western Adj. & Insp. Co., Chicago., 
266 " Western Union Telegraph Co., . 

State, County and Municipal Bonds. 
Albany, N. Y., 3§s, 1911, . 
Albany, N. Y., 3£s, 1912-13, 
Albany, N. Y., 3|s, 1914, . 
Albany, N. Y., 3£s, 1915-16, 
Albany, N. Y., 3|s, 1917-19, 
Albany, N. Y., 3|s, 1920-21, 
Albany, N. Y., 3is, 1922-24, 
Albany, N. Y., 4s, 1911-14, 
Albany, N. Y., 4s, 1915-27, 
Albany, N. Y., 4s, 1928-29, 
Albany County, N. Y., 3^s, 1911, 
Albany County, N. Y., 3Js, 1912, 
Albany County, N. Y., 3£s, 1919, 
Albany County, N. Y., 3£s, 1920, 
Albany County, N. Y., 3 is, 1922, 
Albany County 4s, 1911-13, 
Albany County 4s, 1915-25, 
New York, Canal 4s, 1960, 
New York, N. Y., 3Js, 1928, 
New York, N. Y., 3^s, 1915, 
New York, N. Y., 3|s, 1918, 
New York, N. Y., 3§s, 1936, 
New York, N. Y., 3is, 1930, 
New York, N. Y., 4s, 1955-56, 
New York, N. Y., 3±s, 1950, 
Seattle, Wash., 5s, 1911, . 



Book Value. 

$19,100 00 
11,000 00 
29,900 00 
10,000 00 
12,500 00 

10,000 00 

5,000 00 

18,925 00 

400 00 

19,020 00 

10,000 00 

500 00 

500 00 

100 00 

23,400 00 



> 38,225 00 -j 



44,172 00 



10,000 00 



8,000 

51,000 
50,000 
14,250 
10,000 
10,000 
10,000 
20,000 
8,975 
10,000 



00 

00 
00 
00 
00 
00 
00 
00 
00 
00 



Rate. 
165 
113 
129 
121 
117 

160 
204 
385 

100 
126 
253 
125 
100 
200 
73 

100 
99 
98 
97 
96 
95 
94 

100 
99 
98 

100 
99 
96 
95 
94 

100 
99 

105 
92 
97 
96 
89 
91 
99 
88 

100 



Market Value. 
$16,500 00 
11,300 00 
29,025 00 
12,100 00 
11,700 00 

16,000 00 
10,200 00 
19,250 00 

400 00 

20,160 00 

12,650 00 

625 00 

500 00 

200 00 

19,418 00 

500 00 

26,210 25 

6,125 00 

970 00 

1,440 00 

950 

1,410 

4,000 

37,620 

1,960 

1,000 

990 

960 00 

950 00 

5,640 

2,000 

5,940 

52,500 

46,000 

13,822 

9,600 

8,900 

9,100 

19,800 

8,800 

10,000 



00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
50 
00 
00 
00 
00 
00 
00 



190 



THE COMMERCIAL UNION FIRE INSURANCE CO. 



Railroad Bonds. 
Buffalo & Susquehanna 4§s, 1953, 
Central Pacific 4s, 1954, . 
Interborough Rapid Transit 5s, 1952, 
New York, Ontario & Western 4s, 1955, 
Schenectady Consolidated 4|s, 1953, . 
United Traction cons. 4|s, 2004, 
United Traction deb. 4§s, 1919, 
Watervliet Turnpike 1st 6s, 1919, 

Miscellaneous Bonds. 
Albany, N. Y., Board of Underwriters 6s, 1914, . 
Kings County Elec. Light & Power Co. 6s, 1922, 



Book Value. 


Rate. 


Market Value. 


$9,150 00 


32 


$3,200 00 


9,800 00 


92 


9,200 00 


10,300 00 


104 


10,400 00 


8,550 00 


90 


8,100 00 


10,000 00 


99 


9,900 00 


10,150 00 


97 


9,700 00 


14,975 00 


97 


14,550 00 


10,700 00 


107 


10,700 00 


1,000 00 


100 


1,000 00 


4,000 00 


115 


4,600 00 


$543,592 00 


$538,565 75 



THE COMMERCIAL UNION FIRE INSURANCE COMPANY OF NEW 

YORK, NEW YORK, N. Y. 

Incorporated Oct. 30, 1890. Commenced business April 1, 1891. 

Paid-up Capital, $200,000. 

A. H. WRAY, President. C. J. HOLMAN, Vice-President and Secretary. 

Home Office, 58 William Street. 



Income. 

Net fire premiums, ........ 

Gross interest on stocks and bonds, $27,305.83; bank deposits, 
$491.80, 

Total income, ...... 

Ledger assets, Dec. 31, 1909, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Dividends to stockholders, 

Commissions or brokerage, 

Expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Gross decrease in book value of stocks and bonds, 

All other disbursements, .... 

Total disbursements, . . . . 

Balance, . . . . . • . 






$351,200 19 
27,797 63 



• 


$378,997 82 
812,270 77 


$1,191,268 59 




$157,697 46 

3,188 24 

20,000 00 




80,941 67 
5,348 65 
5,383 05 




2,548 49 
1,543 17 




414 90 




4,055 49 




4,030 05 

848 66 




5,121 21 




2,291 74 




2,492 89 




41 67 




1,195 87 
338 40 


• 


$297,481 61 



$893,786 98 



THE COMMERCIAL UNION FIRE INSURANCE CO. 



191 



Ledger Assets. 
Book value of stocks and bonds (schedule A), . 
Cash in office, . . . . 
Deposits in trust companies and banks on interest, 
Agents' balances, . 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . $2,331 68 

Book value of stocks and bonds over market value, . 38,311 07 

Admitted assets, . . . . . . . . 

Liabilities. 

Unpaid losses, including $6,131 resisted, $47,856; less reinsur- 
ance, $9,885.91, . . . . t ■ . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for return premiums, $490; reinsurance $16,098, 
Reserve for contingencies, ..... 



Total, . 

Cash capital, . . . ... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . — 

Total liabilities, including surplus, 

Risks and Premiums. 



$200,000 00 
251,550 15 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$59,747,071 00 
52,932,540 00 

$112,679,611 00 
44,921,407 00 

$67,758,204 00 
14,304,817 00 



$735,032 07 

13 39 

54,186 86 

104,554 66 

$893,786 98 



5.662 00 



$899,448 98 



40,642 73 
$858,806 25 



$37,970 09 

316,880 01 

510 00 

9,308 00 

6,000 00 

16,588 00 

20,000 00 

$407,256 10 



451,550 15 
$858,806 25 



Premiums. 

$677,083 84 

592,451 71 

$1,269,535 55 

508,526 08 

$761,009 47 

171,092 43 



$53,453,387 00 $589,917 04 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



$3,108,946 08 

1,560,763 85 

181,225 00 

158,879 07 

20,000 00 

7,500 00 



192 



THE COMMONWEALTH INSURANCE CO. 






Railroad Stocks. 
250 shares Allegheny & Western, 
150 " Chicago, Milwaukee & St. Paul, pref., 
200 " Manhattan, .... 
127 " Second Avenue, 
100 " Southern, preferred, . 

Government Bonds. 
United States 4s, 1925, .... 

Municipal Bonds. 
New York, N. Y., 3§s, 1915, 
New York, N. Y., 3£s, 1952-54, 
New York, N. Y., 4s, 1956, 
Norfolk, Va., 4Js, 1940, .... 

Railroad Bonds. 
Atchison, Topeka & Sante Fe gen. 4s, 1995, 
Bait. & Ohio (S. W. div.) 1st 3£s, 1925, 
Chic, Lake Shore & Eastern 1st 4|s, 1969, 
Interborough Rapid Transit 5s, 1952, 
Minn., St. P. & S. Ste. Marie con. 4s, 1938, 
Missouri Pacific 1st coll. 5s, 1920, 
St. Louis Southwestern 1st 4s, 1989, . 
Southern 1st cons. 5s, 1994, 
Union Pacific conv. 4s, 1927, 

Miscellaneous Bonds. 
Michigan Lake Superior Power Co. 5s, 1949, 
Western Union Tel. Co. 4|s, 1950, . 



» OWNED BY THE 


Company. 


Book Value. 


Rate. 


Market Value. 
$35,750 00 


$37,375 


00 


143 


18,183 


93 


146 


21,900 00 


27,087 


50 


141 


28,200 00 


23,000 


00 


13 


1,651 00 


9,312 


50 


62 


6,200 00 


22,263 


25 


116 


23,200 00 


13,283 


00 


97 


12,610 00 


157,343 


75 


88 


154,000 00 


186,152 


50 


99 


183,150 00 


25,000 


00 


100 


25,000 00 


10,000 


00 


100 


10,000 00 


18,288 


61 


91 


18,200 00 


21,300 


00 


104 


20,800 00 


25,812 


50 


104 


26,000 00 


19,900 


00 


97 


19,400 00 


20,553 


00 


101 


20,200 00 


38,497 


78 


90 


36,000 00 , 


8,260 


00 


107 


8,560 00 


20,500 


00 


104 


20,800 00 


7,000 


00 


11 


1,100 00 


25,918 


75 


96 


24,000 00 


$735,032 07 


$696,721 00 



THE COMMONWEALTH INSURANCE COMPANY OF NEW YORK, 

NEW YORK, N. Y. 

Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886. 

Paid-up Capital, $500,000. 
E. G. RICHARDS, President. CHARLES E. CASE, Secretary. 

Home Office, 76 William Street. 






Income. 

Net fire premiums, . . . . . . . . 

Gross interest on mortgages, $17,124.76; stocks and bonds, 

$74,194.65; bank deposits, $956; all other, $6.47, . 
Gross profit on sale of stocks, ...... 

Sale of rights, ......... 

Total income, ........ 

Ledger assets, Dec. 31, 1909, ........ 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, 

Agency expenses, ....... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 



$711,175 85 

92,281 88 
9,877 19 
115 0( 

$813,449 92 
2,030,657 97 

$2,844,107 89 



$285,727 22 

4,024 22 

50,000 00 

168,358 35 

2,740 71 

23,374 37 

26,562 04 



THE COMMONWEALTH INSURANCE CO. 



193 



Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, . . . . . . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of stocks, ..... 

Gross decrease in book value of stocks, 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ....... 



Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $2,525.20; bonds, $8,443.34, .... 
Market value of stocks and bonds over book value, . 

Gross assets, ........ 

Assets not admitted. 
Agents' balances over three months due, .... 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $6,310.26 resisted, $51,309.53; less 
reinsurance, $3,933.34, ....... 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



$6,691 36 
6,729 30 
4,552 55 
1,102 50 

1.051 65 
102 22 

6,914 33 

6,013 64 

1,861 45 

10,505 80 

4.052 02 
3,964 24 
2,515 62 

115 00 

$616,958 59 
2,227,149 30 



$337,500 00 

1,762,799 34 

183 84 

25,595 11 

101,071 01 

$2,227,149 30 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$500,000 00 
1,109,297 93 



10,968 54 
35,623 66 

$2,273,741 50 



2,214 77 
$2,271,526 73 



$47,376 19 

601,869 88 

982 73 

12,000 00 

$662,228 80 



1,609,297 93 
$2,271,526 73 



194 



THE COMMONWEALTH INSURANCE CO. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Premiums. 

. $116,667,748 00 $1,016,322 74 



126,720,066 00 1,012,964 22 



$243,387,814 00 $2,029,286 96 
100,276,177 00 793,496 43 



$143,111,637 00 $1,235,790 53 
19,018,905 00 141,740 26 



$124,092,732 00 $1,094,050 27 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



$7,026,536 94 

3,287,672 74 

721,000 00 

292,286 04 

50,000 00 

10,500 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
200 shades Allegheny & Western, 
800 " Atch., Topeka & Santa Fe, pref. 
500 " Baltimore & Ohio, preferred, 
1,000 " Brooklyn City, 
500 " Chic, Mil. & St. Paul, pref., 
500 " Chicago & Northwestern, com, 
300 " Chicago & Northwestern, pref. 
100 " Chicago, St. P., Minn. & O., pref., 
100 " Cleve., Cm., Chic, & St. L., pref., 
200 " Great Northern, pref., 
200 " Illinois Central, . . 

50 " Kan. City, St. L. & Chic, pref., 
500 " M., St. P. & S. S. M., Isd. lines, pref. 
200 " Missouri, Kan. & Texas, pref.,. 
400 " N. Y. Cent. & Hudson River, . 
220 " N. Y., N. H. & Hartford, 
80 " N. Y., N. H. & H. (75% paid), 
1,600 " Reading Co. 1st pref., 

100 " Rome, Watertown & Ogdensburg, 
1,000 " Union Pacific, pref., 
Bank Stocks. 
13 shares Bank of America, New York, . 
105 " Corn Exchange, New York, 
17 " Manhattan Company, New York, 
50 " Merchants National, New York, 
32 '' INational Bank of Commerce, N. Y. 
50 " New York Produce Exchange, 
25 " New York Trust Company, 
Miscellaneous Stocks. 
200 shares American Telegraph & Cable Co., 
500 " Am. Tel & Tel. Co., 
500 " Consolidated Gas Company, N. Y., 
120 " Pullman Company, 

1 share Western Adjust. & Inspec Co., 
Government Bonds. 
United States 3s, 1918, .... 

Municipal Bonds. 
New York, N. Y.,3is, 1920, . 
New York, N. Y., 3|s, 1916, 
New York, N. Y., 3|s, 1954, 



Book Value. 



$29,025 00 
75,960 00 
45,637 50 
18,725 00 
62,362 25 

53.824 37 
40,412 50 
10,162 50 
10,450 00 
24,968 75 
28,331 25 

6,818 75 
46,058 33 

12.825 00 
48,220 00 
42,841 25 

7,500 00 
68,787 50 
11,087 50 
89,437 50 

3,401 25 
28,000 00 
1,672 32 
3,625 00 
4,107 00 
5,550 00 
17,750 00 

18,025 00 

68,512 50 

94,617 75 

8,237 00 

200 00 

2,000 00 

40,000 00 

30,000 00 

170,000 00 



Rate. 
143 
103 

91 
170 
146 
145 
203 
168 
100 
123 
132 
135 

90 

63 
113 
151 
148 

94 
121 

93 

595 
312 
390 
181 
194 
165 
612 

81 
143 
136 
159 
200 

102 

95 
97 

88 



00 
00 
00 
00 
00 
00 
00 
00 
00 



Market Value. 
$28,600 00 
82,400 00 
45,500 00 
17,000 00 
73,000 00 
72,500 
60,900 
16,800 
10,000 
24,600 
26,400 

6,750 
45,000 
12,600 
45,200 00 
33,220 00 

9,340 00 
75,200 00 
12,100 00 
93,000 00 

7,735 00 
32,760 00 
3,315 00 
4,525 00 
6,208 00 
8,250 00 
15,300 00 

16,200 00 
71,500 00 
68,000 00 
19,080 00 
200 00 

2,040 00 

38,000 00 

29,100 00 

149,600 00 



THE CONCORDIA FIRE INSURANCE CO. 



195 



Railroad Bonds. 
Cent. Pac. 1st refunding 4s, 1949, 
Chic, Burl. & Quincy (111. Div.) 4s, 1949, . 
Chicago, Milwaukee & St. Paul 4s, 1934, . 
Delaware & Hudson 1st and refunding 4s, 1943, 
Manhattan cons. 4s, 1990, 
Missouri, Kan. & Texas 1st 4s, 1990, . 
N. Y. Cent. & H. R. (Lake Shore col.) 3|s, 1998, 
N. Y., N. Y. & Hartford conv. deb. 6s, 1948, 
Nor. Pac. genl. lien and land grant 3s, 2047, 
Pennsylvania gen. equipment 4s, 1917, 
Rome, Watertown & Ogdensburg 1st 4s, 1922, 
St. Paul, Minn. & Manitoba 4£s, 1933, 
Southern Pacific conv. 4s, 1929, 
Union Pacific 1st and refunding 4s, 2008, 
Vandalia consolidated series B 4s, 1957, 

Miscellaneous Bonds. 
New York Telephone 1st 4*s, 1939, . 
N. Y. & Westchester Lighting Co. deb. 5s, 1954, 



Book Value. 


Rate. 


Market Value. 


$23,890 62 


. 97 


$24,250 00 


24,777 


62 


100 


25,000 00 


23,531 


25 


93 


23,250 00 


49,875 


00 


100 


50,000 00 


49,612 


50 


98 


49,000 00 


24,251 


25 


98 


24,500 00 


24,993 


75 


80 


24,000 00 


29,972 


75 


134 


33,500 00 


35,501 


25 


71 


35,500 00 


24,260 


58 


97 


24,250 00 


24,531 


25 


100 


25,000 00 


26,312 


50 


105 


26,250 00 


49,750 


00 


97 


48,500 00 


24,625 


00 


97 


24,250 00 


24,250 


00 


97 


24,250 00 


48,406 


25 


99 


49,500 00 


25,125 


00 


102 


25,500 00 


$1,762,799 


34 


$1,798,423 00 



THE CONCORDIA FIRE INSURANCE COMPANY OF MILWAUKEE, 

MILWAUKEE, WIS. 

Incorporated March 7, 1870. Commenced business March 22, 1870. 

Paid-up Capital, $300,000. 

GUSTAV WOLLAEGER, Jr., President. FRANK DAMKOEHLER, Secretary. 

Home Office, 207 Germania Building. 

Income. 

Net fire premiums, $996,791 99 

Gross interest on mortgages, $35,806.64; bonds, $24,510.46; 

bank deposits, $309.49; all other, $3; gross rents, $466.07, . 61,095 66 

Gross increase in book value of bonds, ..... 200 00 

Agents' balances previously charged off, ..... 24 85 

Borrowed money, 57,500 00 

Total income, . . $1,115,612 50 

Ledger assets, Dec. 31, 1909, 1,472,349 43 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . . . . . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 



$2,587,961 


93 


$487,646 26 


7,621 


07 


24,000 


00 


282,744 02 


836 


15 


33,428 65 


35,917 09 


3,720 00 


8,370 


99 


9,212 


43 


3,263 


77 


235 


90 


2,692 


89 


7,429 96 


10,591 


74 



196 



THE CONCORDIA FIRE INSURANCE CO. 



Repairs and .expenses on real estate, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale or maturity of ledger assets, 

Gross decrease in book value of bonds, 

Agents' balances charged off, . 

Borrowed money repaid, 

Interest on borrowed money, . 

All other disbursements, 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest due and accrued on: — 
Mortgages, $6,600.80; bonds, $9,700.01, . 
Due from other companies, ..... 



$294 88 


99 90 


23,800 05 


5,909 73 


2,548 56 


1,140 00 


3,536 88 


11,411 24 


57,500 00 


346 92 


2,679 90 



Gross assets, ........ 

Assets not admitted. 

Agents' balances over three months due, . . . $2,301 12 

Book value of bonds over market value, . . . 3,107 96 

Due from unauthorized companies, . . . 2 49 

Admitted assets, . . . . . . 

Liabilities. 
Unpaid losses, including $7,881.72 resisted, $99,557.62; less 
reinsurance, $26,611.88, ....... 

Unearned premiums on outstanding risks, .... 

State, county and municipal taxes, due or accrued, . 

Due for reinsurance, ........ 



$1,026,978 98 
$1,560,982 95 



$747,425 00 

551,259 16 

17,210 47 

39,719 62 

16,440 57 

188,928 13 

$1,560,982 95 



16,300 81 

8,247 12 

$1,585,530 88 



5,411 57 
$1,580,119 31 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$300,000 00 
214,103 23 



$72,945 74 

944,823 30 

25,000 00 

23,247 04 

$1,066,016 08 



514,103 23 
,580,119 31 



THE CONCORDIA FIRE INSURANCE CO. 



197 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. Premiums. 

$185,059,920 00 $2,109,340 49 



120,427,798 00 1,475,212 10 



$305,487,718 00 $3,584,552 59 
109,328,231 00 1,365,256 33 



$196,159,487 00 $2,219,296 26 
30,485,728 00 405,846 09 



Net amount in force, 



$165,673,759 00 $1,813,450 17 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (8 per cent.), 

Par value of company's stock owned by directors, 



Schedule A. Bonds owned by the Company 



$15,105,682 41 

8,114,721 13 

467,667 00 

481,891 92 

24,000 00 

143,200 00 



County and Municipal Bonds. 
Chicago, 111., 4s, 1912, .... 
Davidson County, Tenn., 4fs, 1937, op. 1919, 
Fond du Lac, Wis., 4£s, 1917, op. 1907, 
Kewanee, 111., 5s, 1915-16, 
Kewanee, 111., 5s, 1917-18, 
Kewanee, 111., 5s, 1919-22, 
Kewanee, 111., 5s, 1923, 
Lawrence County, 111., 6s, 1911, 
Lawrence County, 111., 6s, 1912, 
Mauston, Wis., 5s, 1914-17, 
McG. Cr. L. & Dr., B. & P. Cos 
McG. Cr. L. & Dr., B. & P. Cos 
McG. Cr. L. & Dr., B. & P. Cos 
McG. Cr. L. & Dr., B. & P. Cos 
Menomonee, Wis., 5s, 1911, 
Menomonee, Wis., 5s, 1912, 
Menomonee, Wis., 5s, 1913-14, 

5s, 1915, 

5s, 1916-17, 

5s, 1918-19, 



111., 6s, 1915, 
111., 6s, 1916, 
111., 6s, 1921, 
111., 6s, 1922, 



Menomonee, Wis 

Menomonee, Wis 

Menomonee, Wis 

Menomonee, Wis., 5s, 1920-21, 

Milwaukee, Wis., 5s, 1911, 

Milwaukee, Wis., 5s, 1912, 

Milwaukee, Wis., 5s, 1913, 

Milwaukee, Wis., 5s, 1914, 

Milwaukee, Wis., 5s, 1915-16, 

Milwaukee, Wis., 5s, 1917, 

Milwaukee, Wis., 3s, 1919, 

New York, N. Y., 3*s, 1928, 

Ogle County, 111., 4Js, 1920-26, 

P. & LaM. D. & L. Dist., Peoria Co., 111., 6s, 1916, 

P. & LaM. D. & L. Dist., P. Co., 111., 6s, 1917-18, 

Port of Portland, Ore., 4s, 1934, 

St. Louis County, Minn., 4£s, 1918, 

Seattle, Wash., 4|s, 1930, . 

Spokane, Wash., 6s, 1911, 

Starke County, Ind., 6s, 1911, 

Starke County, Ind., 6s, 1912, 

Starke County, Ind., 6s, 1913, 

Starke County, Ind., 6s, 1914, 

Starke County, Ind., 6s, 1915, 



Book Value. 
$20,000 00 

10,400 00 

30,000 00 
6,190 00 
2,090 00 
4,260 00 
1,080 00 
2,500 00 
2,550 00 

12,646 04 
2,600 
7,875 



00 
00 

2,700 00 

2,725 00 
600 00 
808 00 

1,640 
832 

2,100 00 

2,130 00 

2,388 

7,000 

7,070 

7,140 

7,210 
14,490 

7,350 00 

1,000 00 
23,500 
10,325 

2,100 00 

3,180 00 
50,000 00 
25,750 00 
20,000 00 
20,000 00 
675 00 

2,727 

3,442 

3,476 25 

3,510 00 



00 
00 



00 
00 
00 
00 
00 
00 



00 
00 



00 
50 



Rate. 
100 
103 
101 
102 
103 
104 
105 
100 
101 
100 
104 
105 
108 
109 
100 
101 
102 
103 
104 
105 
106 
100 
101 
102 
103 
104 
105 
93 
92 
101 
102 
103 
98 
102 
103 
100 
100 
101 
102 
103 
104 



Market Value. 

$20,000 00 

10,300 00 

30,300 00 

6,120 00 

2,060 00 

4,160 00 

1,050 00 

2,500 00 

2,525 00 

12,397 58 

2,600 00 

7,875 00 

2,700 00 

2,725 

600 

808 

1,632 

824 

2,080 

2,100 

2,332 

7,000 

7,070 

7,140 

7,210 

14,560 

7,350 

930 

23,000 00 

10,100 00 

2,040 00 

3,090 00 

49,000 00 

25,500 00 

20,600 00 

20,000 00 

675 00 

2,727 00 

3,442 50 

3,476 25 

3,510 00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



198 



CONNECTICUT FIRE INSURANCE CO. 



Starke County, Ind., 6s, 1916, 
Tomah, Wis., 5s, 1917, 
Tomah, Wis., 5s, 1918-24, 
Tomah, Wis., 5s, 1925-26, 
Wausau, Wis., 4s, 1921-27, 
Wausau, Wis., 4s, 1928, . 
Wauwatosa & G., Wis., Jt. Sch. 
Wauwatosa & G., Wis., Jt. Sch. 
Wauwatosa & G., Wis., Jt. Sch. 
Wauwatosa & G., Wis., Jt. Sch. 
Wauwatosa & G., Wis., Jt. Sch. 



Dist. 5s, 1911, 
Dist. 5s, 1912, 
Dist. 5s, 1913-14 
Dist. 5s, 1915, 
Dist. 5s, 1916-17 



Wauwatosa & G., Wis., Jt. Sch. Dist. 5s, 1918, 
Whiting, Ind., 6s, 1911, .... 

Railroad Bonds. 
A. T. & S. Fe (Trans. Short Line) 1st 4s, 1958, 
Chic, Rock Island & Pacific 1st & ref. 4s, 1934, 
Lake Shore & Michigan Southern 4s, 1931, 
Metropolitan St., Kan. City cons. 5s, 1913,. 
Oregon Short Line ref. 4s, 1929,. 
Southern Pacific 1st ref. 4s, 1955, 

Miscellaneous Bonds. 
Laclede Gas Light Co. 1st 5s, 1934, . 
Milwaukee Gas Light Co. 1st 4s, 1927, 



Book Value. 

$1,771 87 
1,040 00 
7,440 00 
2,160 00 

45,000 00 

1,000 00 

1,010 

2,050 

1,040 

2,090 

1,060 

2,000 



00 
00 
00 
00 
00 
00 



9,450 00 
22,625 00 
18,575 00 
24,468 75 
18,700 00 
23,718 75 

10,000 00 
18,000 00 

$551,259 16 



Rate. 
105 
101 
102 
103 
99 
98 
100 
101 
102 
103 
104 
105 
100 

93 
90 
93 
98 
93 
95 

101 
90 



Market Value. 

$1,771 87 
1,010 00 
7,140 00 
2,060 00 

39,600 00 
4,900 
1,000 
1,010 
2,040 
1,030 
2,080 00 
1,050 00 
2,000 00 



00 
00 
00 
00 
00 



9,300 00 
22,500 00 
18,600 00 
24,500 00 
18,600 00 
23,750 00 

10,100 00 
18,000 00 



,151 20 



CONNECTICUT FIRE INSURANCE COMPANY, HARTFORD, CONN. 

Incorporated June, 1850. Commenced business July, 1850. 

Paid-up Capital, $1,000,000. 

J. D. BROWNE, President. W. T. HOWE, Secretary. 

Home Office, 51 Prospect Street. 

Income. 

Net fire premiums, $3,783,142 48 

Gross interest on mortgages, $45,667.09; collaterals, $4,137.23; 
stocks and bonds, $210,836.78; bank deposits, $4,539.87; all 
other, $1,184.02; gross rents, including $10,000 for company's 
own occupancy, $11,231.26,. ..:... 277,59625 
Gross profit on maturity of notes, ...... 250 00 

Agents' balances previously charged off, . . . . . 167 30 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, . 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $10,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 



. $4,061,156 03 
. 7,025,123 13 

$11,086,279 16 



$1,842,697 51 

29,263 29 

160,000 00 

813,257 08 

19,481 57 

136,768 41 

192,798 90 

28,914 54 

47,263 93 

19,680 83 

8,029 07 

7,343 22 

9,610 46 



CONNECTICUT FIRE INSURANCE CO. 



199 



Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate. 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale or maturity of ledger assets, . 

Gross decrease in book value of real estate, 

Agents' balances charged off, . 

Total disbursements, .... 

Balance, . . . . . 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ........ 

Bills receivable, . . • . . . 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $10,204.89; bonds, $29,918.94; collateral loans, 

$867.42, 



$20,982 18 

28,369 18 

22.783 30 

1,364 99 

2,534 14 

63,232 63 

18,843 48 

38,746 93 

21,010 31 

20,575 00 

1,601 72 

$3,555,152 67 

$7,531,126 49 



$192,200 00 

909,050 00 

109,000 00 

5,502,679 78 

397 57 

17,690 55 

391,811 37 

367,785 42 

40,511 80 

^7,531,126 49 



Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 
Bills receivable, past due, taken for premiums, 
Book value of stocks and bonds over market value, 
Special deposit $108,900; liabilities in offset, $108,900 



$3,353 45 

14,717 25 

141,562 78 



Admitted assets, ..... 

Liabilities. 
Unpaid losses, including $47,553.70 resisted, $428,593.12; less 

reinsurance, $79,084.63, . . . 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, . 



40,991 25 

$7,572,117 74 

159,633 48 

$7,412,484 26 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$1,000,000 00 
1,970,778 34 



$349,508 49 

4,040,912 67 

1,284 76 

50,000 00 

54,441,705 92 



2,970,778 34 
£7,412,484 26 



200 



CONNECTICUT FIRE INSURANCE CO. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

$690,962,701 00 
426,252,097 00 



Premiums. 

^7,957,070 42 
4,945,974 25 



,117,214,798 00 $12,903,044 67 
361,623,669 00 4,384,700 89 



$755,591,129 00 
. 65,577,628 00 



^,518,343 78 
801,896 51 



Net amount in force, 



$690,013,501 00 $7,716,447 27 



Miscellaneous. 



Net premiums received from reorganization of company, 

Net losses paid from reorganization of company, 

Cash dividends declared from reorganization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (16 per cent.), 

Par value of company's stock owned by directors, 



$61,978,623 01 

35,220,333 47 

3,655,000 00 

1,923,097 92 

160,000 00 

45,400 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
$6,400 00 
30,000 00 
97,500 00 
30,000 00 
45,000 00 



40 shares Pullman Co., .... 
Hartford City Gas Light Co. 4s, 1935, 
150 shares iEtna Life Ins. Co., Hartford, 
200 " N. Y., N. H. & Hartford R.R. Co. 

50 " Travelers Ins. Co., Hartford, 



Loaned 
Thereon. 
$4,000 00 
25,000 00 

50,000 00 
30,000 00 



208,900 00 $109,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
500 shares N. Y., N. H. & Hartford, . 
237 " N. Y., N.H.&H. (New Stk. full pd.), 
300 " Pittsburg, Ft. Wayne & Chicago, 

Bank Stocks. 
100 shares iEtna National, Hartford, . 
93 " Charter Oak National, Hartford, 
185 " First National, Hartford, . 
300 " Hartford National, . 
100 " Importers' and Traders' Nat., N. Y., 
412 " National Exchange, Hartford, 
150 " Phcenix National, Hartford, 

Miscellaneous Stocks. 
200 shares Empire and Bay States Tel. Co., 
500 " Northwestern Telegraph Co., 

Government Bonds. 
Canada 3^s, 1913, ..... 

State, County and Municipal Bonds. 
Arizona 5s, 1942, op. 1912, 
Arizona 5s, 1946, op. 1916, 
Astoria, Oregon, 6s, 1911, .... 
Astoria, Oregon, 5s, 1925, .... 
Baltimore, Md., 3-|s, 1980, 
Boston, Mass., 3|s, 1945, . . . . 

Bridgeport, Conn., 4s, 1939, 
Chicago, 111., 4s, 1926-29, 
Cincinnati, Ohio, 3|s, 1965, op. 1945, 
Cleveland, Ohio, 4s, 1922, 
Colorado Springs, Col., 4s, 1924, op. 1914, . 
Columbus, Ohio, 4s, 1922, op. 1912, . 
Dallas, Texas, 5s, 1920, .... 



Book Value. 

$84,246 44 
29,625 00 
28,700 00 

12,500 00 
12,026 00 
26,655 72 
45,645 75 
16,800 00 
28,106 00 
22,246 50 

14,800 00 
23,000 00 

112,626 68 



00 
00 
00 
00 
00 



52,525 

27,000 
12,840 
5,275 
91,125 
50,750 00 
41,150 00 
100,750 00 
50,625 00 
52,750 00 
25,687 50 
35,424 60 
12,360 00 



Rate. 

151 

148 
168 

245 
145 
160 
143 
565 
136 
122 

65 
114 

99 

101 

105 

100 

105 

88 

93 

97 

100 

92 

101 

96 

100 

104 



Market Value. 

$75,500 00 

35,076 00 

50,400 00 



24,500 
13,485 
29,600 
42,900 
56,500 
28,016 
18,300 



00 
00 
00 
00 
00 
00 
00 



13,000 00 
28,500 00 

108,900 00 



50,500 
26,250 
12,000 
5,250 
88,000 
46,500 
38,800 
100,000 
46,000 
50,500 
24,000 
34,000 



00 
00 
00 
00 
00 
00 
00 
Q0 
00 
00 
00 
00 



12,480 00 



CONNECTICUT FIRE INSURANCE CO. 



201 



Dallas, Texas, 4s, 1946, 

Duluth, Minn., 4fs, 1914, . 

Duluth, Minn., 4s, 1932, . 

East Hartford, Conn., 4s, 1931, Op. 1921, 

Fairfield County, Conn., 4s, 1939, op. 1929, 

Fargo, N. D., 6s, 1911, 

Georgia 4§s, 1915, 

Hartford, Conn., 3|s, 1954-55, 

Hartford Conn., South Sch. Dist. 3fs, 1931, 

Helena, Mont., 5s, 1916, . 

Hennepin County, Minn., 4§s, 1925, 

Kansas, Mo., 4s, 1924, 

Maryland 3-|s, 1925, op. 1920, . 

Massachusetts 3|s, 1935, . 

Massachusetts 3|s, 1945, . 

Nashville, Tenn., 4s, 1927, 

New Britain, Conn., 3fs, 1932, . 

New Britain, Conn., 4s, 1936, . 

New Haven, Conn., 4s, 1928-33, 

New London, Conn., 3§s, 1926, 

New Mexico 4s, 1933, op. 1923, 

Newport, R. I., 3is, 1954, 

New York, N. Y., 3|s, 1953, 

New York, N. Y., 4s, 1956, 

Norwich, Conn., 4s, 1931, 

Pawtucket, R. I., 4s, 1934, 

Philadelphia, Penn., 4s, 1938, 

Portland, Ore., 5s, 1923, . 

Providence, R. I., 4s, 1923, 

Richmond, Va., 4s, 1924, . 

Rockville, Conn., 4s, 1935, 

St. Louis, Mo., 4s, 1928, . 

Salem, Oregon, 6s, 1914, . 

Salt Lake, Utah, 5s, 1914, 

Salt Lake, Utah, 4|s, 1924, 

San Diego, Cal., 4is, 1938, 

San Francisco City and County, Cal., 5s, 1928-29 

San Francisco City and County, Cal., 5s, 1935, 

San Francisco City and County, Cal., 5s, 1936, 

Seattle, Wash., 5s, 1913, . 

Seattle, Wash , Sch. Dist. No. 1 4|s, 1928, 

Spo. Co., Wash., S. D. No. 81, 4|s, 1927, op. 1917, 

Springfield, Mass., 4s, 1917, 

Stockton, Cal., School 5s, 1917, op. 1914, 

Syracuse, N. Y., 3±s, 1920, 

Torrington, Conn., 4s, 1929, 

Trenton, N. J., 4s, 1934, 

Waterbury, Conn., 4s, 1927, . . . 

Railroad Bonds. 
Atchison, Topeka & Santa Fe 4s, 1995, 
Baltimore & Ohio 3^s, 1925, 
Black Rocks & Salisbury Beach 5s, 1911, 
Boston & Albany 4s, 1933, 
Boston & Maine 4|s, 1929, 
Chicago, Burlington & Quincy 3|s, 1949, 
Chicago & Erie 5s, 1982, . 
Chicago, Milwaukee & St. Paul 4s, 1989, 
Chicago & Northwestern 5s, 1921, 
Chicago & Northwestern 5s, 1929, 
Chicago & Northwestern 3Js, 1987, 
Chicago Railways, Series A 4s, 1927, . 
Chicago Railways, Series B 4s, 1927, . 
Chicago, St. Louis & New Orleans 3js, 1951, 
Chicago, St. Paul, Minn. & Omaha 3is, 1930, 
Cincinnati, Hamilton & Dayton 5s, 1942, . 
Cincinnati, Ind. & Western 4s, 1953, . 
Cleveland, Cin., Chicago & St. Louis 4s, 1991, 
Cleveland Electric 5s, 1913, 
Cleveland & Mahoning Valley 5s, 1938, 
Detroit Railway 5s, 1924, 
Illinois Central 3is, 1951, . . ... 

Illinois Central 4s, 1955, .... 



Book Value. 
$25,000 00 
10,700 00 
36,225 00 
41,800 00 
50,500 00 

6,478 
26,625 
98,500 
26,125 
21,400 
56,345 
53,250 
95,150 
74,687 
24,687 
50,625 
25,625 
25,250 
61,501 
47,500 
10,550 00 
44,880 00 
51,031 25 
50,359 38 
25,000 00 
30,525 
104,750 
57,625 
51,750 
50,000 
27,187 
51,625 
12,017 
41,512 
10,700 
32,831 
26,970 00 

3,281 25 
24,117 
25,250 
26,250 
51,250 
49,250 
33,262 
48,500 00 
25,250 00 
51,000 00 
51,375 00 

50,312 50 

47,125 00 

9,500 00 

100,625 00 



75 

00 
00 
00 
00 
00 
00 
00 
50 
50 
00 
00 
00 
50 
00 



00 
00 
00 
00 
00 
50 
00 
50 
50 
00 
25 



50 
00 
00 
00 
00 
50 



105.115 

46,100 

60,750 

54,375 

54,750 
106,333 

48,000 
9,167 

21,407 

24,500 

46,750 

51,125 

49,375 
9,000 

51,375 

11,000 

54,862 

25,000 00 

24,906 25 



00 
00 
00 
00 
00 
75 
00 
50 
50 
00 
00 
00 
00 
00 
00 
00 
50 



Rate. 

95 

101 

98 

100 

100 

101 

103 

92 

95 

100 

107 

98 

95 

95 

94 

98 

91 

98 

100 

95 

101 

92 

88 

99 

99 

99 

102 

107 

101 

98 

98 

100 

105 

102 

103 

102 

108 

109 

110 

102 

103 

101 

100 

103 

95 

100 

96 

100 

100 

93 

100 

99 

103 

88 

111 

100 

107 

106 

88 

91 

83 

86 

93 

103 

87 

93 

100 

113 

95 

91 

98 



Market Value. 
$23,750 00 
10,100 00 
34,300 00 
40,000 00 
50,000 00 

6,060 00 
25,750 00 
92,000 00 
23,750 00 
20,000 00 
53,500 00 
49,000 
95,000 
71,250 
23,500 
49,000 
22,750 
24,500 
60,000 00 
47,500 00 
10,100 
40,480 
44,000 
49,500 
24,750 
29,700 
102,000 
53,500 
50,500 
49,000 
24,500 
50,000 00 
11,550 00 
40,800 
10,300 
30,600 
27,000 

3,270 
24,200 
25,500 
25,750 
50,500 
50,000 
30,900 
47,500 
25,000 
48,000 
50,000 



00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



50,000 00 

46,500 00 

10,000 00 

99,000 00 

103.000 00 

44,000 00 

55,500 00 

50,000 00 

53,500 00 

103,880 00 

44,000 00 

8,190 00 

17,430 00 

21,500 00 

46,500 00 

51,500 00 

43,500 00 

9,300 00 

50,000 00 

11,300 00 

47,500 00 

22,750 00 

24,500 00 



202 



CONTINENTAL INSURANCE CO. 



Indiana, Illinois & Iowa 4s, 1950, 

Iowa Central 5s, 1938, 

Lake Shore & Michigan Southern 4s, 1931, 

Lehigh Valley 4£s, 1940, . 

Lehigh Valley Terminal 5s, 1941, 

Long Island 4s, 1949, 

Michigan Central 3 is, 1952, 

Minneapolis & St. Louis 4s, 1949, 

Minn., St. Paul & Sault Ste. Marie 4s, 1938 

New England 4s, 1945, 

New London Northern 4s, 1940, 

N. Y. C. & Hudson River refunding 3Js, 1997, 

N. Y. C. & H. R. (Lake Shore col.) 3£s, 1998, 

N. Y. C. & H. R. (Mich Cent.) 3is, 1998, . 

N. Y., Lackawanna & Western 4s, 1923, 

N. Y., N. H. & H. (Har. R. & P. C.) 4s, 1954, 

N. Y., N. H. & Hartford deb. 3£s, 1947, . 

N. Y., N. H. & Hartford, deb. 4s, 1947, 

N. Y., N. H. & Hartford, conv. 3$s, 1956, . 

N. Y., N. H. & Hartford, conv. 6s, 1948, . 

N. Y., N. H. & Hartford note, 5s, 1912, 

Northern Pacific & Great Northern 4s, 1921, 

Pennsylvania equip. 4s, 1920, 

Port Reading 5s, 1941, 

Rutland 4|s, 1941, . 

Rutland Canadian 4s, 1949, 

St. Louis & San Francisco 5s, 1947, 

St. Louis Southern 4s, 1931, 

Southern Pacific 4s, 1955, 

Southern Pacific 5s, 1937, 

Toledo & Ohio Central general 5s, 1935, 

Toledo & Ohio Cent 1st (West. Div.) 5s, 1935, 

Union Pacific 4s, 1947, .... 

Vandalia 4s. 1955, ..... 

Vermont Valley 4fs, 1940, 

Washington Terminal Co. 3£s, 1945, . 

Miscellaneous Bonds. 
Chicago Edison Co. 5s, 1926, . 
First Ch. of Christ, Hart., Conn., 45s, dem. note, 
Northwestern Telegraph Co. 4|s, 1934, 
People's Gas & Coke Co., Chicago 5s, 1947 
Western Union Telegraph Co. 5s, 1938, 
Western Union Telegraph Co. 4§s, 1950, 



Book Value. 


Rate. 


Market Value. 


. , $50,300 00 


95 


$47,500 00 


. . 28,156 


25 


104 


26,000 00 


45,484 


73 


93 


46,500 00 


57,676 


13 


107 


58,850 00 


28,500 


00 


113 


28,250 00 


51,000 


00 


96 


48,000 00 


24,281 


25 


87 


21,750 00 


71,812 


50 


74 


55,500 00 


48,750 


00 


97 


48,500 00 


24,875 


00 


100 


25,000 00 


24,812 


50 


99 


24,750 00 


25,937 


50 


. 90 


22,500 00 


47,220 


00 


80 


40,000 00 


26,107 


50 


80 


24,000 00 


104,525 


00 


99 


99,000 00 


54,250 


00 


100 


50.000 00 


52,375 


00 


83 


41,500 00 


26,812 


50 


95 


23,750 00 


29,122 


50 


101 


30,300 00 


25,203 


38 


134 


33,500 00 


25,500 


00 


101 


25,250 00 


45,192 


71 


96 


4S,000 00 


48,125 


00 


96 


48,000 00 


15,875 


00 


108 


16,200 00 


26,187 


50 


101 


25,250 00 


25,000 


00 


87 


21,750 00 


24,837 


50 


100 


25,000 00 


26,250 


00 


95 


23,750 00 


23,690 


63 


95 


23,750 00 


53,500 


00 


110 


55,000 00 


10,000 


00 


101 


10,100 00 


15,375 


00 


110 


16,500 00 


50,125 


00 


101 


50,500 00 


50,000 


00 


97 


48,500 00 


52,500 


00 


105 


52,500 00 


22,750 


00 


89 


22,250 00 


26,625 


00 


100 


25,000 00 


7,500 


00 


100 


7.500 00 


25,562 


50 


95 


23,750 00 


26,125 


00 


102 


25,500 00 


27,093 


75 


100 


25,000 00 


24,892 


38 


96 


24,000 00 


$5,502,679 78 


$5,361,117 00 



CONTINENTAL INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated January, 1853. Commenced business January, 1853. 
Paid-up Capital, $2,000,000. 



HENRY EVANS, President. 



C. R. TUTTLE, 
J. A. SWINNERTON, 
HUGH RANKIN, 
F. R. MILLARD, 
J. E. LOPEZ, 



Secretaries. 



Home Office, 46 Cedar Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $137.50; stocks and bonds, 
$686,637.95; bank deposits, $167,313.75; all other, $1,003.72; 
gross rents, including $47,366.35 for company's own occu- 
pancy, $134,654.85, 

Gross profit on sale of stocks and bonds, ..... 



$7,308,442 92 



989,747 77 
533,383 00 



CONTINENTAL INSURANCE CO. 



203 



Gross increase in book value of stocks and bonds, 
First Bulgarian Insurance Company reserve fund, 
From all other sources, ........ 

Total income, ........ 

Ledger assets, Dec. 31, 1909, plus $1,000,000 increase in capital, 



Total, 



$314,302 00 

7,903 42 

50 00 

$9,153,829 11 
23,179,680 65 

$32,333,509 76 



Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $47,366.35 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale of stocks and bonds, 

Gross decrease in book value of stocks and bonds, 

Agents' balances charged off, ..... 

Scrip redeemed, ....... 

All other disbursements, 

Total disbursements, ..... 

Balance, . . . . 



&3,079,739 13 

99,618 57 

1,750,000 00 

1,504,790 95 

3,917 67 

212,621 12 

445,600 88 

69,976 72 

82,559 17 

67,740 19 

2,069 20 

6,593 67 

16,646 44 

73,563 04 

18,156 69 

8,606 22 

35,390 02 

22,340 71 

128,502 68 

33,249 90 

28,637 94 

17,661 00 

561,893 00 

10,466 52 

3 00 

21,049 47 

. $8,301,393 90 

$24,032,115 86 



Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 



$1,200,000 00 

2,700 00 

18,390,580 00 

2,631 66 

122 03 

3,386,371 80 

983,457 67 

66,252 70 



Total ledger assets, 



$24,032,115 86 



204 



CONTINENTAL INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $35,210.40; other assets, $268.77, . 
Market value of stocks and bonds over book value, 
Due from other companies, .... 

Gross assets,* ...... 

Assets not admitted. 
Agents' balances over three months due, . 
Bills receivable, past due, taken for premiums, 
Special deposit less $3,599.99 liability thereon, . 



. $35,479 17 

. 1,176,663 50 

3,429 45 

$25,247,687 98 



$4,196 54 
17,737 18 
52,050 01 



Admitted assets, 



73,983 73 
$25,173,704 25 



Liabilities. 

Unpaid losses, including $40,900 resisted, $601,050.27; less 

reinsurance, $74,998.01, 

Unearned premiums on outstanding risks, 

Unpaid scrip, ........ 

Interest due or accrued on scrip, . . . . 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Due for reinsurance, . . . . . ... 

First Bulgarian Insurance Company reserve fund, 
Interest accrued on First Bulgarian Insurance Co. reserve fund, 
Unearned premium reserve to cover deduction for commissions 
on reinsurance, ......... 

Reserve for contingencies, ....... 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$2,000,000 00 
14,038,674 88 



Total liabilities, including surplus, 

Risks and Premiums. 



$526,052 26 

7,918,144 47 

26,793 00 

6,068 40 

29,000 00 

102,788 87 

135,000 00 

31,188 95 

7,903 42 

90 00 

102,000 00 

250,000 00 

$9,135,029 37 

16,038,674 88 

$25,173,704 25 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

$1,406,640,153 00 $14,784,567 49 
1,059,403,944 00 8,869,841 54 



$2,466,044,097 00 $23,654,409 03 
. 954,923,524 00 7,689,902 77 



.,511,120,573 00 $15,964,506 26 
72,661,200 00 861,567 91 



$1,438,459,373 00 $15,102,938 35 



* The company holds also instalment premium notes to the amount of $2,216,218.87, which do not 
enter into or form any part of the assets of the company, as no portion of them is earned. Whatever 
value is attached to them would necessarily be counterbalanced by the addition of an amount exactly 
equal to the reinsurance liability, the entire sum consisting of "unearned premiums." 

The assets include $600,000 special reserve held under New York law. 



CONTINENTAL INSURANCE CO. 



205 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year, 

Par value of company's stock owned by directors, 



$142,806,836 49 
75,342,925 73 
10,814,356 56 
1,000,000 00 
3,177,825 32 
1,750,000 00 
391,400 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 

200 shares Atlanta & Charlotte Air Line 

1,000 " Atlantic Coast Line, Conn., 

2,000 " Atlantic Coast Line, 

500 " Baltimore & Ohio, preferred, 

14,000 " Brooklyn City, . 

700 " Buffalo, Rochester & Pitts., pref., 

1,000 " Buffalo, Rochester & Pitts., com., 

1,000 " Central of New Jersey, . 

627 " Chicago City (Syn. Subscription), 

1,000 " Chicago & Eastern 111., pref., 

2,500 " Chicago, Mil. & St. Paul, pref., 

2,500 Chicago & Northwestern, pref., 

3,000 " Chicago & Northwestern, com., 

1,000 " Chic, St. P., Minn. & Om., pref., 

200 " Clev., Cin., Ch. & St. L., pref., 

400 " Delaware & Hudson, 

5,500 " Delaware, Lack. & Western, . 

2,500 " Great Northern, preferred, 

3,146 " Lake Shore & Mich. Southern, 

20,000 " Lehigh Valley, 

5,000 " Louisville & Nashville, . 

500 " Mahoning Coal, . 

2,000 " Manhattan, New York, . 

1,000 " M., S. P. & S. S. M., leased line, 

2,000 " Nashville, Chat. & St. Louis, 

500 " N. Y., Chic. & St. L. 

5,021 " New York & Harlem, 

2,500 " Northern Pacific, . 

2,500 " Pitts., Cin., Chi. & St. 

1,512 " Pitts., Cin., Chi. & St. 

500 " Pittsburg, Ft. Wayne & Chicago, 

4,200 " Pittsburg, McKeesport & Yough., 

500 " Reading 1st preferred, . 

5,000 " Southern Pacific Co., . 

1,000 Union Pacific, preferred, 

5,500 " Union Pacific, common, 

2,000 " United N. J. R. R. & Canal Co., 

Bank Stocks. 
250 shares Am. Exch. Nat., N. Y., N. Y„ 
50 " Bank of America, N. Y., N. Y. 
500 " Bank of New York, N. B. A., 
600 " Central Trust Co., N. Y., N. Y., 
425 " Mech. & Metals Nat., N. Y., N. Y 
350 " Merchants Nat., N. Y., N. Y., 
Miscellaneous Stocks. 

4,000 shares Consolidated Gas Co., N. Y., N. Y 
625 " Del., Lack. & Western Coal Co., 

3,728 " Fire Cos. Bldg. Corp., N. Y., N. Y., 
300 " Mahoning Investment Co., 

1,000 " National Biscuit Co., N. J., pref., 
100 " Northern Securities Co., 

2,000 " Sears, Roebuck & Co., N. Y., pref. 
700 " United States Express Co., N. Y., 

State and Municipal Bonds. 
Georgia 4|s, 1915, ..... 
New Mexico 4s, 1939, op. 1929, 
New York 3s, 1957, . • . 



1st pref., 



L., pref., 
L., com., 



Book Value. 
$35,000 00 
225,000 00 
220,000 00 

42,500 
210,000 

77,000 
100,000 
250,000 
109,725 
100,000 
350,000 00 
500,000 00 
420,000 
150,000 

19,000 

60,000 

1,443,750 

300,000 

1,022,450 

1,500,000 

700,000 

125,000 

270,000 

80,000 
260,000 00 

50,000 00 
753.150 00 
275,000 
250,000 
136,080 

82,500 
220,500 

20,000 
560,000 

90,000 
907,500 
480,000 



00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



56,250 00 
25,000 00 
150,000 00 
540.000 00 
95,625 00 
26,250 00 

520,000 00 

62,500 00 
372,800 00 

18,000 00 
115,000 00 

10,000 00 
230,000 00 

56,000 00 

10,000 00 

9,500 00 

200,000 00 



Rate. 
183 
228 
120 

91- 
170 
133 
104 
278 
160 
113 
146 
203 
145 
168 
100 
165 
535 
123 
350 
180 
145 
600 
141 

90 
140 
108 
315 
116 
109 

99 
168 
125 

94 
117 

93 
173 
245 

240 

595 

320 

1,025 

248 
181 

136 
225 
103 

60 
125 
100 
121 

96 

103 
102 
101 



Market Value. 
$36,600 00 
228,000 
240,000 

45,500 
238,000 

93,100 
104,000 
278,000 
100,320 
113,000 
365,000 
507,500 
435,000 
168,000 

20,000 

66,000 

1,471,250 

307,500 

1,101,100 

1,800,000 00 

725,000 00 

150,000 

282,000 

90,000 
280,000 

54,000 00 
790,807 50 
290,000 00 
272,500 
149,688 

84,000 
262,500 

23,500 
585,000 

93,000 
951,500 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 



490,000 00 

60,000 00 

29,750 00 

160,000 00 

615,000 00 

105,400 00 

31,675 00 

544,000 00 

70,312 50 
383,984 00 

18,000 00 
125,000 00 

10,000 00 
242,000 00 

67,200 00 

10,300 00 

10,200 00 

202,000 00 



206 



COUNTY FIRE INSURANCE CO. 



New York 4s, 1960, . 
New York, N. Y., 3£s, 1927, 
New York., N. Y., 3£s, 1940, 
New York, N. Y., 4^8, 1911, 
Richmond, Virginia, 4s, 1920, 
Richmond, Virginia, 4s, 1921-24, 
Railroad Bonds. 
Atchison, Topeka & Santa Fe conv. 4s, 1955, 
Atlantic Coast Line (L. & N. col.) 4s, 1952, 
Atlantic Coast Line conv. deb. 4s, 1939, 
Chesapeake & Ohio conv. 4ts, 1930, . 
Chicago & Alton 1st 3 is, 1950, '. 
Chicago, Burlington & Quincy gen. 4s, 1958, 
Columbia & Greenville 1st 6s, 1916, . 
Delaware & Hudson conv. deb. 4s, 1916, 
Elmira, Cortlandt & Northern 1st 6s, 1914, 
Fort Worth & Denver City 1st 6s, 1921, 
Illinois Central refunding 4s, 1955, 
Interborough Rapid Transit 5s, 1952, 
Louisville & Nashville (M. & M.) 1st 4|s, 1945, 
Metropolitan Street, N. Y., general 5s, 1997, 
Norfolk & Western conv. 4s, 1932, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Southern Pacific Co., conv. 4s, 1929, . 
Union Pacific conv. 4s, 1927, 

Miscellaneous Bonds. 
Am. Coal Products Co., N. J., notes, 5s, 1911, 
Am. Coal Products Co., N. J., notes, 5s, 1912, 
Am. Coal Products Co., N. J., notes, 5s, 1913, 
American Cotton Oil Co., N. J., deb. 4£s, 1915, 
Central Leather Co., N. J., 1st 5s, 1925, 
Mortgage Bond Co., of New York, 4s, 1966, 
N. Y. Gas.& Elec. Lt., Ht. & Power Co., 4s, 1949, 



Book Value. 

$53,000 00 

112,500 00 

403,750 00 

1,000,000 00 

47,500 00 



12,000 00 

42,500 00 

23,750 00 

180,000 00 

14,000 00 

71,250 00 

50,000 00 

95,000 00 

50,000 00 

100,000 00 

38,000 00 

60,000 00 

50,000 00 

19,500 00 

150,000 00 

237,500 00 

240,000 00 

150,000 00 

24,500 00 
24,500 00 
49,000 00 
45,000 00 
95,000 00 
21,250 00 
40,000 00 

$18,390,580 00 



Rate. 

105 
92 
88 

100 
99 
98 

105 
93 
97 
94 
70 
97 

107 
98 

102 

113 
98 

104 

103 
78 

101 
96 
97 

104 

99 
98 
97 
98 
100 
90 



Market Value. 

$55,650 00 

115,000 00 

418,000 00 

1,000,000 00 

5,593 50 

43,463 00 



00 
00 
00 
00 
00 



12,600 

46,500 

24,250 
188,000 

14,000 

72,750 00 

53,500 00 

98,000 

51,000 
113,000 

39,200 

62,400 

51,500 

23,400 
151,500 
240,000 
242,500 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



156,000 00 



24,750 
24,500 
48,500 
49,000 
100,000 
22,500 



00 
00 
00 
00 
00 
00 



44,000 00 
$19,567,243 50 



COUNTY FIRE INSURANCE COMPANY OF PHILADELPHIA, 

PHILADELPHIA, PA. 

Incorporated May 31, 1832. Commenced business April 19, 1833. 

Paid-up Capital, $400,000. 
CHARLES R. PECK, President. E. A. LAW, Secretary 

Home Office, 110 South 4th Street. 

Income. 

Net fire premiums, 

Deposit premiums on perpetual risks, ..... 

Gross interest on mortgages, $8,832.35; collaterals, $770.50; 
stocks and bonds, $33,663.40; bank deposits, $1,031.24; all 
other, $21.63; gross rents, including $2,500 for company's own 
occupancy, $3,932, ........ 

Gross profit on maturity of bonds, . 

From all other sources, ........ 



$392,452 56 
2,610 61 



48,251 12 

1,316 25 

684 98 



Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Deposit premiums returned, .... 



$445,315 52 
1,105,414 72 

$1,550,730 24 



$201,033 77 
3,280 55 

7,599 83 



COUNTY FIRE INSURANCE CO. 



207 



Dividends to stockholders, .... 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross loss on sale or maturity of ledger assets, . 
Agents' balances charged off, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, . . 

Ledger Assets. 
Book value of real estate, ...... 

Mortgage loans on real estate, 

Loans secured by collateral (21 shares Un. Pass. Ry., Phila.), 

Book value of stocks and bonds (schedule A), . 

Cash in office, ........ 

Deposits in trust companies and banks on interest, . 
Agents' balances, ........ 

Perpetual deposits, ....... 



Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on: — 
Mortgages, $1,872.01; bonds, $6,754.97; collateral loans, $35.52, 
Rents due and accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, 
Salvage, ....... 

Due from other companies, .... 

Deposit with Philadelphia Underwriters' Association, 



Gross assets, 



$32,000 00 

100,520 90 

10,484 85 

21,204 74 

2,500 00 

4,283 80 

3,403 35 

92 75 

537 65 

5,148 87 

3,310 67 

3,452 09 

560 00 

395 90 

787 97 

10,823 49 

1,708 00 

1,371 64 

6,209 65 

87 97 

5,289 32 

$426,087 76 
1,124,642 48 



$54,629 24 

181,100 00 

3,700 00 

765,836 90 

1,079 54 

46,557 01 

69,836 04 

1,903 75 

.,124,642 48 



8,662 50 

128 00 

16,335 76 

35,586 10 

475 00 

1,022 26 

100 00 

$1,186,952 10 



Assets not admitted. 



Agents' balances over three months due, . 

Salvage, ........ 

Perpetual deposits in unauthorized companies, 
Perpetual deposits not returnable, . . . 
Deposit with Philadelphia Underwriters' Association, 

Admitted assets, ...... 



$2,633 57 
475 00 
216 00 
190 38 
100-00 



3,614 95 



$1,183,337 15 



208 



COUNTY FIRE INSURANCE CO. 



Liabilities. 
$1,605.89 resisted, 



Unpaid losses, including 

reinsurance, $2,999.34, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Interest paid in advance, ..... 



$34,971.54; less 



Total, 

Cash capital, ... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

• Total liabilities, including surplus, 

Risks and Pkemiums. 



$400,000 
216,449 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



Risks. 

$61,509,533 
54,872,153 



$116,381,686 
45,386,480 



$70,995,206 
9,657,791 



$61,337,415 

$8,662,998 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (8 per cent.), 

Par value of company's stock owned by directors, 



$31,972 20 

325,877 91 

192,075 54 

1,714 80 

8,633 28 

6,413 94 

200 00 

$566,887 67 



616,449 48 
$1,183,337 15 



Premiums. 

00 $634,729 97 
00 565,122 15 



00 

48 



00 $1,199,852 12 
00 490,693 10 



00 $709,159 02 
00 91,655 33 



00 $617,503 69 
00 $211,257 08 



56,330,132 40 
3,641,808 13 
1,036,408 17 

202,565 37 
32,000 00 

128,600 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
11 shares Elmira & Williamsport, 



50 
205 
104 
600 
264 
200 
100 

20 
164 
150 



Frankford & Southwark Passenger, 
Germantown Passenger, 
North Pennsylvania, 
Pennsylvania, .... 
Phila., Germantown & Norristown, 
Philadelphia Traction, 
Second & Third Street Passenger, 
Thirteenth & Fifteenth St. Passenger, 
Union Traction of Philadelphia, 
United N. J. R.R. & Canal Co., 



Bank Stocks. 
28 shares Bank of North America, Phila. 
10 " First National, Philadelphia, 
35 " Nat. Bank of Nor. Liberties, 

Miscellaneous Stocks. 
2 shares General Adjustment Bureau, 



Book Value. 
00 
25 
60 
50 
88 
05 
00 
00 
00 
00 
39 



$550 

16,656 

17,744 

8,699 

33,198 

28,847 

18,225 

16,816 

4,500 

2,870 

29,217 



7,458 00 

2,102 50 

11,516 25 

100 00 



Rate. 
101 
735 

237 
196 
129 
294 
167 
498 
510 
90 
245 

305 
216 
250 

100 



Market Value. 

$555 50 
18,375 
24,292 
10,192 
38,700 
38,808 
16,700 
24,900 

5,100 

7,380 
36,750 






8,540 00 
2,160 00 
8,750 00 

100 00 



THE DELAWARE INSURANCE CO. 



209 



State, County and Municipal Bonds. 
Allegheny County, Pa., 4s, 1939, 
Baltimore, Md., 4s, 1960, . 
Massachusetts 3§s, 1934, . 
New York, N. Y., 4fs, 1957, . 
Philadelphia, Pa., 3Js, 1931, 
Philadelphia, Pa., 4s, 1940, 
Pittsburg, Pa., 4s, 1915, . 
St. Paul, Minn., 4s, 1938, . 
Trenton, N. J., 4s, 1939, . 
Wilkes-Barre, Pa., 3§s, 1921, . 
Wilmington, Del., 4s, 1932, 

Railroad Bonds. 
B. & O. (P., L. E. & W. Va. Sys.) 4s, 1941, 
Catawissa 1st cons. 4s, 1948, 
Chesapeake & Ohio equipment 4s, 1914, 
Delaware & Hudson 1st and ref. 4s, 1943, 
Elec. & People's Traction 4s, 1945, 
Iron Mt. Car Trust 5s, 1912, . 
Lake Shore & Michigan Southern 4s, 1931, 
Lehigh Coal & Navigation col. tr. 4|s, 1930, 
Lehigh Valley 4£s, 1940, . 
Lehigh Valley annuity 6s, 
Lehigh Valley gen. cons. 4s, 2003, 
Newark Passenger 1st cons. 5s, 1930, 
N. Y. Cent. Lines equip, tr. 4£s, 1920, 
N. Y. C. & H. R. (Lake Sh. col.) 3£s, 1998, 
N. Y., Lacka. & Western term. & imp. 4s, 1923, 
N. Y., Philadelphia & Norfolk 4s, 1948, 
Norfolk & Western equip, trust 4s, 1913, 
Nor. Cent. 2d series A. & B 5s, 1926, 
Pennsylvania Co. 3^s, 1916, 
Pennsylvania Co. 4s, 1931, 
Pennsylvania col. tr. 4|s, 1913, . 
Pennsylvania & Northwestern gen. 5s, 1930, 
Phila., Bait. & Washington 1st 4s, 1943, 
Philadelphia & Erie cons. 5s, 1920, 
Philadelphia & Reading Terminal 5s, 1941, 
Philadelphia Co. 1st 5s, 1949, . 
Pitts., Cin., Chic. & St. L. cons. 4Js, 1942, . 
Read. Co. & P. & R. C. & I. Co. gen. 4s, 1997, 
Wladikawkas 4s, 1957, .... 

Miscellaneous Bonds. 
Equitable Ilium. Gas Light Co. 5s, 1928, . 
Erie & Western Trans. Co. 4s, 1925, . 
Pennsylvania Steel Co. 5s, 1917, 
Western Union Telegraph Co. 4|s, 1950, 



Book Value. 
$10,356 00 
15,131 25 
19,700 00 
21,575 00 

9,737 50 
16,270 00 

3,015 00 

7,120 

5,131 

3,830 
10,151 



54 
25 
00 
00 



9,262 50 

4,300 00 

9,772 
12,015 
23,359 
10,065 

9,325 
20,350 
25,250 
18,137 

4,900 
16,012 50 
14,856 94 

8,200 
10,062 
19,100 

4,897 
11,550 

8,772 
25,125 
10,162 
10,400 

5,225 
10,600 00 
12,050 00 

5,425 
23,400 
14,750 
15,000 



00 
00 
00 
00 
00 
00 
00 
50 
00 



00 
50 
00 
50 
00 
50 
00 
50 
00 
00 



00 
00 
00 
00 



15,405 00 
15,412 50 
15,250 00 
26,925 00 

$765,836 90 



Kate. 

102 

100 

95 

107 

95 

102 

100 

100 

96 

95 

97 

92 

100 

98 

100 

88 

100 

93 

103 

107 

149 

97 

108 

100 

80 

99 

99 

99 

111 

98 

99 

100 

109 

103 

108 

117 

102 

107 

98 

81 

107 
99 

102 
96 



Market Value. 

$10,200 00 

15,000 00 

19,000 00 

21,400 00 

9,500 00 

16,320 00 

3,000 00 

7,000 00 

4,800 00 

3,800 00 

9,700 00 



00 
00 
00 
00 
00 
00 
00 
00 



9,200 

4,000 

9,800 
12,000 
22,000 
10,000 

9,300 
20,600 
26,750 00 
22,350 00 

4,850 
16,200 
15,000 

8,000 

9,900 
19,800 

4,950 
11,100 00 

8,820 00 
24,750 
10,000 
10,900 

5,150 
10,800 
11,700 

5,100 
21,400 
14,700 
12,150 



00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



14,980 00 
14,850 00 
15,300 00 
24,000 00 

$801,423 00 



THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA, 

PHILADELPHIA, PA. 

Incorporated April 10, 1835. Commenced business Aug. 6, 1835. 

Paid-up Capital, $400,000. 

JOHN S. BIOREN, President. J. PARSONS SMITH, Jr., Secretary. 

Home Office, Third and Walnut Streets. 



Income. 

Net fire premiums, . . . . . . 

Deposit premiums on perpetual risks, ..... 

Gross interest on mortgages, $4,689.02; collaterals, $173.61; 
stocks and bonds, $63,609.66; bank deposits, $699.83; gross 
rents, including $10,000 for company's own occupancy, 
$15,359.10, 



$1,582,120 90 
3,372 15 



84,531 22 



210 



THE DELAWARE INSURANCE CO. 



Gross profit on sale of bonds, . 
Agents' balances previously charged off, 

Total income, 
Ledger assets. Dec. 31, 1909, . 



$2,526 79 

100 60 

$1,672,651 66 

2,217,140 09 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Deposit premiums returned, . . . . 

Dividends to stockholders, . 

Commissions or brokerage, ..... 

Salaries, and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $10,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 
Taxes on real estate, . . . . 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on sale or maturity of bonds, . 

Gross decrease in book value of bonds, 

Agents' balances charged off, ..... 

Total disbursements, . . 



Balance, 



Ledger Assets. 



Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Cash in hands of special agents, 

Deposit with Philadelphia Underwriters' Association, 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $1,322.23; bonds, $18,000.85; collateral loans, $44, 19,367 08 

Rents accrued on company's property, . . . . . 650 17 



. $3,889,791 75 


. $928,550 50 

20,547 92 

3,270 94 

60,000 00 


425,178 25 
47,301 88 
45,711 01 
12,373 02 
14,850 50 
9,709 13 
407 00 


1,468 50 
4,644 62 


20,004 99 


7,691 94 
1,796 21 
4,735 68 
2,034 10 


27,940 40 
9,497 67 


2,647 00 

3,578 01 

499 66 


2,091 84 


. $1,656,530 77 


. $2,233,260 98 


. $200,000 00 

102,000 00 

4,000 00 


. 1,398,745 76 
7,435 57 


75,407 76 

445,271 89 

300 00 


100 00 


. $2,233,260 98 



Gross assets, 



!,253,278 23 



THE DELAWARE INSURANCE CO. 



211 



Assets not admitted. 

Agents' balances over three months due, . . . $6,567 23 

Book value of stocks and bonds over market value, . 23,475 76 

Cash in hands of special agents, .... 300 00 

Deposit with Philadelphia Underwriters' Association, 100 00 

Special deposits less $2,450 liability thereon, . . 7,350 00 



Admitted assets, 



Liabilities. 



Unpaid losses, including $15,250 resisted, $228,393; less reinsur 

ance, $39,865, . . . . m . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



Total liabilities, including surplus, 

Risks and Premiums. 



$400,000 00 
135,988 10 



$37,792 99 

$2,215,485 24 

$188,528 00 

1,303,210 84 

127,876 65 

1,297 72 

46,583 93 

12,000 00 

$1,679,497 14 

535,988 10 



. $2,215,485 24 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



Risks. Premiums. 

$256,059,294 00 $2,846,639 18 
204,169,003 00 2,377,945 51 



$460,228,297 00 $5,224,584 69 
197,045,237 00 2,312,350 72 



$263,183,060 00 $2,912,233 97 
32,011,012 00 372,949 83 



$231,172,048 00 $2,539,284 14 
$4,928,610 00 $141,737 32 



Miscellaneous. 
Net premiums received from organization of company. 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (15 per cent.), 
Par value of company's stock owned by directors, 



$44,936,625 00 

26,553,353 00 

3,109,967 04 

970,314 00 

60,000 00 

54,550 00 



Schedule A. Securities held as Collateral. 



30 shares Merchants Trust Co., 
50 " Union Traction Co., . 



Company's 
Market Value. 

$3,120 00 \ 
2,162 50 / 



Loaned 
Thereon. 

$4,000 00 



i,282 50 



212 



THE DELAWARE INSURANCE CO. 



Schedule B. Stocks and Bonds owned by the 



Railroad Stocks. 
500 shares Consolidated Traction Co. of N. J., 
300 " Frankford & Southwark Passenger, 
100 " Philadelphia Traction Co.,. 

70 " Second & Third Sts.,. 

36 " Thirteenth & Fifteenth Sts., 

Miscellaneous Stocks. 

3 shares General Adjustment Bureau, 

20 " Philadelphia Bourse, common, . 

15 " Philadelphia Bourse, preferred, . 

4 " Southern Adjustment Bureau, 

5 " Underwriters Salvage Co., N. Y., 

State and Municipal Bonds. 
Camden, N. J., 4s, 1912, . 
Duquesne, Pa., 4|s, 1925-31, 
Georgia 3£s, 1927, . 
Montreal, Can., 4s, 1949, . 
New York, N. Y., 4|s, 1957, 
New York, N. Y., 4|s, 1960, 
Norfolk, Va., 4s, 1939, 
Philadelphia, Pa., 4s, 1938, 

Railroad Bonds. 
American Railways col. tr. 5s, 1917, . 
Boston & Worcester Street 1st 4£s, 1923, 
Brooklyn Rapid Transit 1st 4s, 2002, 
Chesapeake & Ohio 4|s, 1930, . 
Chic, Rock Island & Pac. col. tr. 4s, 2002, 
Delaware & Hudson conv. 4s, 1916, 
East McKeesport Street 5s, 1929, 
Easton & S. Bethlehem Transit 1st 5s, 1936, 
Ft. Wayne & Wab. Val. Trac. 1st cons. 5s, 1934, 
Ft. Worth & Rio Grande 1st 4s, 1928, 
Indianapolis Northern Traction 1st 5s, 1932, 
Interborough-Met. Co. col. tr. 4-|s, 1956, 
Iowa Central 1st refunding 4s, 1951, . 
Kansas City Southern refunding 5s, 1950, 
Lehigh Valley cons. 4£s, 1923, . 
Missouri, Kansas & Texas 4s, 2004, 
Missouri Pacific 4s, 1945, 
Missouri Pacific equipment 5s, 1915, . 
New York Central & Hudson River 4s, 1934, 
N. Y., N. H. & Hartford conv. 3Js, 1956, 
Norfolk & Western 4s, 1944, 
Pitts., Shawmut & Nor. rec. certs. 5s, 1911, 
Roanoke Traction & Light Co. 1st 5s, 1958, 
St. Clair Terminal 1st 5s, 1932, 
St. Louis Mer. Bridge Terminal 5s, 1930, . 
Southern Pacific 4s, 1929, . . 

Southern Traction Co. of Pitts., 1st 5s, 1950, 
United Rys. of San Francisco 4s, 1927, 
United Ry. Investment Co. col. tr. 5s, 1926, 
Wabash-Pittsburg Terminal 1st 4s, 1954, 
Western Pacific 1st 5s, 1933, 
Wilmington & Chester Traction Co. 5s, 1918, 

Miscellaneous Bonds. 
American Gas Co. col. tr. 5s, 1920, 
American Tel. & Tel. Co. conv. 4s, 1936, 
Delano Land Co. 5s, 1932, 
Nat. Gas, Elec. Lt. & Power Co. 6s, 1912, 
Westinghouse Elec. & Mfg. Co. 5s, 1931, 



Book Value. 
$36,125 00 
117,888 02 

8,839 14 
18,698 75 

8,644 50 

150 00 
1,000 00 
375 00 
200 00 
500 00 



1,016 
28,212 

9,925 
10,195 
36,640 
20,275 
19,450 



80 
40 
00 
00 
91 
00 
00 



26,009 37 



37,975 
23,159 
34,656 
23,656 
35,617 
30,371 

8,473 
19,819 
19,033 
39,650 
14,362 
16,275 

7,500 
20,292 
100,925 
22,894 
19,843 
23,810 
23,775 
49,474 
19,540 00 
24,147 50 
36,100 
25,777 
25,187 
48,843 
10,422 
20,281 
78,214 
13,931 
24,468 



00 
20 
25 
25 
79 
24 
44 
44 
34 
00 
50 
00 
00 
60 
00 
16 
75 
00 
00 
50 



00 
18 
36 
75 
20 
25 
00 
25 
75 



18,790 00 



20,358 
43,081 
30,243 
25,000 
18,650 



17 
25 

75 
00 
00 



Company. 

Rate. Market Value. 

75 $37,500 00 

735 110,250 00 

167 8,350 00 

498 17,430 00 

510 9,180 00 



100 

12 

44 

100 

125 

100 

103 

95 

98 

107 

101 

92 

102 

92 

96 

83 

94 

73 

98 

103 

100 

77 

82 

85 

79 

67 

102 

105 

79 

76 

100 

94 

101 

93 

100 

93 

101 

108 

97 

93 

67 

84 

47 

93 

94 

100 
106 
108 
102 
92 



150 00 
120 00 
165 00 
200 00 
625 00 



1,000 
26,780 
9,500 
9,800 
37,450 
20,200 
18,400 
25,500 



00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



36,800 
22,080 
33,200 
23,500 
36,500 
29,400 

8,240 
20,000 
15,400 
36,900 
12,750 
15,800 

6,700 
20,400 00 
105,000 00 
23,700 
19,000 
25,000 
23,500 
50,500 
18,600 
25,000 
37,200 
25,250 
27,000 00 
48,500 00 

9,300 
16,750 
75,600 

7,050 
23,250 
18,800 



00 
00 
00 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 



22,000 
47,700 
32,400 
25,500 
18,400 



00 
00 
00 
00 
00 



.,398,745 76 



$1,375,270 00 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



213 



THE DETROIT FIRE AND MARINE INSURANCE COMPANY, 

DETROIT, MICH. 

Incorporated Feb. 1, 1866. Commenced business March 14, 1866. 

Paid-up Capital, $500,000. 

E. H. BUTLER, President. A. H. McDONELL, Secretary. 

Home Office, 100 Griswold Street. 

Income. 

Net fire premiums, $552,083.05; marine, $20,464.92, . . . $572,547 97 
Gross interest on mortgages, $38,775.09; collaterals, $778.24; 

bonds, $36,749.68; bank deposits, $630.90; all other, $10,821.29; 

gross rents, $1,404, . ■ _ . . . . . . 89,159 20 

Gross profit on sale or maturity of ledger assets, . . . 2,197 11 



Total income, 
Ledger assets, Dec. 31, 1909, 

Total, . 



$663,904 28 
1,988,674 70 



Disbursements. 



Net amount paid policy holders for fire losses, $279,179.16 
marine, $2,687.56, ..... 

Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . . . . 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, . . . . . 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross decrease in book value of bonds, 
Salvage previously held awaiting adjustment, . 
Agents' balances charged off, . . . . 

All other disbursements, .... 

Total disbursements, . . 

Balance, . . . . 

Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, . . . 

Loans secured by collateral (schedule A), 



$2,652,578 98 


$281,866 72 


4,491 55 


50,000 00 


124,887 42 


15,080 76 


40,549 91 


4,450 00 


5,192 88 


3,757 32 


912 75 


203 03 


2,026 65 


7,589 73 


5,720 11 


1,490 41 


359 41 


281 24 


6,644 61 


1,413 75 


8,728 23 


9,704 36 


1,531 68 


56 24 


1,460 51 


$578,399 27 


$2,074,179 71 


$205,775 70 


607,966 18 


32,500 00 



214 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



Book value of bonds (schedule B), 

Cash in office, 

Deposits in trust companies and banks on interest, 

Agents' balances, . 

Advances on marine losses, 

Due from other companies, 

Total ledger assets, 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $10,601.18; bonds, $15,320.38; collateral loans, 

$657.01; other assets, $2,163.30, 

Market value of bonds over book value, ..... 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . 
Advances on marine losses, 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $10,225 resisted, $82,102.40; less 

reinsurance, $12,921.01, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
State, county and municipal taxes, due or accrued, . 
Salvage held awaiting adjustment, 

Total, .... 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, . 

Risks and Premiums. 



$1,063,832 20 

939 20 

74,265 88 

84,571 84 

3,820 40 

508 31 

$2,074,179 71 



28,741 87 
16,420 04 

$2,119,341 62 



$2,406 52 
3,820 40 



$500,000 00 
1,042,641 36 



6,226 92 
$2,113,114 70 



$69,181 39 

490,072 10 

372 41 

108 95 

7,500 00 

3,238 49 

$570,473 34 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . • r 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks in force Dec. 31, 1909, 

Marine risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks. 

$93,083,943 00 
65,191,515 00 

$158,275,458 00 
61,816,398 00 

$96,459,060 00 
8,629,168 00 



1,542,641 36 
$2,113,114 70 

Premiums. 

$1,026,309 21 
756,728 06 

$1,783,037 27 
717,032 83 

$1,066,004 44 

108,234 82 



17,829,892 00 $957,769 62 



$90,000 00 

4,638,492 00 

$4,728,492 00 

4,648,492 00 

$80,000 00 

80,000 00 



$3,100 00 
24,703 86 

$27,803 86 
25,103 86 

$2,700 00 
2,700 00 






THE DETROIT FIRE AND MARINE INSURANCE CO. 



215 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (10 per cent.), 

Par value of company's stock owned by directors, 



$12,515,532 84 

6,393,508 14 

1,541,000 00 

350,000 00 

290,337 65 

6,012 71 

50,000 00 

110,150 00 



Schedule A. Securities held as Collateral. 

Company's 
Market Value. 
Participation in $300,000 loan secured by collateral valued at 

$366,372 held in trust, . . . . . . . $22,226 00 

Detroit, Mich., 3^s, 1918, 10,000 00 

65 shares Pitts., McKeesport & Youghiogheny R. R., . . 4,062 00 



£36,288 00 



Schedule B. Bonds owned by the Company. 



Detroit, Mich. 
Detroit, Mich. 
Detroit, Mich. 
Detroit, Mich. 
Detroit, Mich., 



Government Bonds. 
United States consols 2s, 1930, . 

State, County and Municipal Bonds, 
Ann Arbor, Mich., Schools 4s, 1930-31, 
Arizona 4s, 1956 op. 1926,. 
Arizona 5s, 1942 op. 1912,. 
Arizona 5s, 1948 op. 1918,. 
Arizona 5s, 1946 op. 1916,. 
Battle Creek, Mich., 4s, 1929 tax exempt, 
Delray, Mich., 4s, 1913, . 

, 4s, 1919-21, 

, 3is, 1916, 

, 3.65s, 1918, 
4s, 1922-26, 
3|s, 1926, 
Detroit, Mich., 3Js, 1927-32, 
Ecorse, Mich., Schools tax exempt 4|s, 1925, 
Fairview, Mich., 4|s, 1934, 
Flint, Mich., Water tax exempt 4s, 1934, 
Flint, Mich., tax exempt 5s, 1911, 
Flint, Mich., tax exempt 5s, 1912, 
Flint, Mich., tax exempt 5s, 1913, 
Flint, Mich., tax exempt 5s, 1914, 
Grand Rapids, Mich., 4^s, 1912, 
Grand Rapids, Mich., tax ex. 4fs, 1913-14, 
Grand Rapids, Mich., tax exempt 4^s, 1915, 
Grand Rapids, Mich., tax exempt 4s, 1929, 
Grosse Point, Mich., tax exempt 4|s, 1928, 
Hawaii 4s, 1918 op. 1908, . 
Hawaii 3is, 1921 op. 1911, 
Hawaii 4|s, 1920 op. 1910, 
Highland Park, Mich., tax exempt 4s, 1929, 
Ionia, Mich., 4is, 1911-12, 
Ionia, Mich., 4£s, 1913, . 
Kalamazoo, Mich., 4£s, 1917-18, 
Kalamazoo, Mich., 4s, 1911-15, 
Kalamazoo, Mich., 4^s, 1919-20, 
Lansing, Mich., 4£s, 1912-13, . 
Monroe, Mich., Schools tax exempt 4s, 1918-21, 
Montcalm Co., Mich., 4s, 1913-15, 
New Mexico 4s, 1937 op. 1927, . 
New Mexico 5s, 1921 op. 1911, . 
Pontiac, Mich., Water tax exempt 4£s, 1920-22, 
Pontiac, Mich., Water tax exempt 4£s, 1923-25, 
Pontiac, Mich., Water tax exempt 4Js, 1926, 
Redford, Mich., 4§s, 1911-12, . 
Redford, Mich., 4£s, 1913-15, . 



Book Value. 
$80,000 00 



00 
00 
00 
00 
00 
00 
00 



5,000 
25,000 
10,000 

9,000 

6,000 
15,000 

5,000 
95,000 00 
38,000 00 

3,000 

153,000 

12,000 

91,000 

10,000 

5,000 
20,000 

2,545 

2,545 

2,545 

2,545 
11,000 
38,000 

9,000 
17,000 

9,000 
12,000 
25,000 00 

8,000 00 
10,000 

2,400 

1,200 

3,000 

9,800 

2.500 

9,000 00 
15,000 00 
21,000 
15,000 
15,000 
12,000 
12,000 

1,000 

4,000 00 

6,000 00 



00 
00 
00 
00 
00 
00 
00 
55 
55 
55 
55 
00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 



Rate. 
101 

100 
100 
101 
106 
105 
102 
101 
103 
99 
100 
104 
99 
98 
103 
111 
102 
100 
102 
103 
104 
101 
102 
103 
103 
104 
98 
93 
100 
102 
100 
101 
103 
100 
104 
100 
100 
100 
102 
101 
104 
105 
106 
100 
101 



Loaned 
Thereon. 

$20,000 00 
9,500 00 
3,000 00 

$32,500 00 



Market Value. 
$80,800 00 



00 
00 
00 
00 
00 



5,000 
25,000 
10,100 

9,540 

6,300 
15,300 00 

5,050 00 
97,850 
37,620 

3,000 
159,120 
11,880 
89,180 00 
10,300 00 

5,550 
20,400 

2,545 

2,596 

2,621 

2,647 
11,110 
38,760 

9,270 
17,510 00 

9,360 00 
11,760 00 
23,250 00 

8,000 00 
10,200 00 

2,400 00 

1,212 

3,090 

9,800 

2,600 

9,000 
15,000 
21,000 00 
15,300 00 
15,150 00 
12,480 00 
12,600 00 

1,060 00 

4,000 00 

6,060 00 



00 
00 
00 
00 
00 



00 
00 
55 
43 
90 
36 
00 
00 
00 



00 
00 
00 
00 
00 
00 



216 



DIXIE FIRE INSURANCE CO. 



Redford, Mich., 4fo 1920, 

Redford, Mich., 4£s, 1923-25, . 

River Rouge, Mich., Sewer tax exempt 4|s, 

Saginaw, Mich., 4s, 1911-13, 

Saginaw, Mich., 4s, 1914-16, . 

Saginaw, Mich., 3 is, 1911, 

Saginaw, Mich., 3£s, 1912, 

Saginaw, Mich., 3|s, 1913-14, . 

Saginaw, Mich., 3|s, 1915-16, . 

Springwell, Mich., School 4s, 1935, 

Springwell, Mich., 4s, 1933, 

Woodmere, Mich., 3|s, 1931, 

Miscellaneous Bonds. 
American Lumber Co. 6s, 1916-18, 
Bliss Cook Co., Blissville, Ark., 6s, 1911, 
Ches. Lumber Co., Det., Mich., 6s, 1912-13 
Detroit City Gas Co., 5s, 1923, . 
Hotchkiss Timber Co., Cal., 6s, 1915, 
Hotchkiss Timber Co., Cal., 6s, 1917,. 
Pacific Lumber Co., Maine, 6s, 1911-15, 
S. E. Slade Lumber Co., Cal., 6s, 1916-17, 
Southern Pine Lumber Co., Texas, 6s, 1913, 
Union Lumber Co., Cal., 6s, 1912-14, 



1939 



Book Value. 


Rate. 


Market Value. 


$2,000 


00 


103 


$2,060 00 


8,000 


00 


104 


8,320 00 


20,000 


00 


111 


22,200 00 


20,550 


00 


100 


20,550 00 


15,700 


00 


99 


15,543 00 


500 


00 


100 


500 00 


900 


00 


99 


891 00 


6,800 


00 


98 


6,664 00 


7,300 


00 


97 


7,081 00 


24,000 


00 


106 


25,440 00 


9,000 


00 


107 


9,630 00 


5,000 


00 


98 


4,900 00 


10,000 


00 


100 


10,000 00 


3,000 


00 


100 


3,000 00 


6,000 


00 


100 


6,000 00 


10,000 


00 


101 


10,100 00 


5,000 


00 


100 


5,000 00 


5,000 


00 


100 


5,000 00 


20,000 


00 


100 


20,000 00 


10,000 


00 


100 


10,000 00 


5,000 


00 


100 


5,000 00 


10,000 


00 


100 


10,000 00 


$1,063,832 


20 


$1,080,252 24 






DIXIE FIRE INSURANCE COMPANY, GREENSBORO, N. C. 

Incorporated March, 1906. Commenced business September, 1906. 

Cash Capital, $500,000. 

ASHLEY HORNE, President. F. M. GARNER, Secretary. 

Home Office, 125 South Elm Street. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $20,315.56; collaterals, $4,871.51; 
stocks and bonds, $23,282.07; bank deposits, $3,127.21; gross 
rents, including $1,500 for company's own occupancy, 
$10,379.42, .... 

Gross increase in book value of bonds, 

Sale of local agency, 

Agents' balances previously charged off, 

Total income, 
Ledger assets, Dec. 31, 1909, . 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, . . . . 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Eire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

State taxes on premiums, ..... 



$702,490 99 



61,975 77 

8,597 09 

3,000 00 

101 16 

$776,165 01 
1,345,968 99 

$2,122,134 00 



$434,911 78 

9,874 63 

174,301 78 

17,198 26 

37,309 01 

1,500 00 

5,507 85 

6,065 96 

4,563 48 

2,236 03 

7,679 26 

6,716 02 

5,165 27 

10,357 10 



DIXIE FIRE INSURANCE CO. 



217 



Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Gross decrease in book value of stocks, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Due from other companies, ..... 

Deposit with Western Sprinkled Risk Association, 



Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on: — 
Mortgages, $4,255.19; bonds, $7,693.66; collateral loans, $487.37 

other assets, $811.03, . .... 

Rents due and accrued on company's property, 
Supplies, printed matter and stationery, . . . 
Furniture, fixtures and maps, ...... 



Gross assets, ...... 

Assets not admitted. 
Supplies, printed matter and stationery, . 
Furniture, fixtures and maps, 
Agents' balances over three months due, . 
Accrued interest in default, .... 
Book value of stocks and bonds over market value, 
Due from unauthorized companies, 
Deposit with Western Sprinkled Risk Association, 



$4,808 68 

7,624 62 

38,110 93 

18,378 37 

1,455 77 

6,534 59 

$800,299 39 

1,321,834 61 



$100,000 00 

340,937 48 

79,200 00 

522,280 59 

784 67 

2,870 88 

105,776 27 

165,371 14 

4,113 58 

500 00 

1,321,834 61 



13,247 25 

837 15 

1,500 00 

12,000 00 

$1,349,419 01 



$1,500 00 

12,000 00 

27,617 38 

400 00 

6,560 59 

820 32 

500 00 



Admitted assets, 



Liabilities. 
,950 resisted, $82,152.79; less rein- 



Unpaid losses, including 

surance, $8,246.29, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Interest paid in advance, • 

Total, . . . . 

Cash capital, . . . . . 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 



$500,000 00 
200,569 27 



49,398 29 
$1,300,020 72 



$73,906 50 

514,347 07 

1,197 88 

8,566 28 

1,433 72 

$599,451 45 



Total liabilities, including surplus, 



700,569 27 
$1,300,020 72 



218 



DIXIE FIRE INSURANCE CO. 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, . 
Expired and terminated, . • 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Premiums. 

$76,943,316 00 $1,101,513 97 
70,236,790 00 1,020,350 86 



$147,180,106 00 
72,951,016 00 



52,121,864 83 
1,041,053 31 



$74,229,090 00 $1,080,811 52 
7,227,193 00 101,724 50 



$67,001,897 00 $979,087 02 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 



$3,416,122 01 

1,901,230 34 

40,000 00 

440,036 97 

231,473 60 



Company's 
Market Value. 



20 shares Commercial Nat. Bank., 
150 " Scot. Neck Cotton Mill., pref., 

50 " Scot. Neck Land Co., 
Edgecomb Homestead & Loan Association, 
Snow Lumber Co. 6s, 1917, 

24 shares McClamrock Mantle Co., . 

24 " McClamrock Mantle Co., . 

80 " Belhaven Ice Co., . 
High Point Electric Power Co. 5s, 1913, 
140 shares Bank of Maxton, N. C, 



10 
60 
50 
20 
10 
15 
5 
37 



Murchison Nat. Bank, Wilmington, 

United Lumber Co., . 

First National Bank, Durham, . 

So. Life & Trust Co., 

American Exchange Bank, . 

Hunter Mfg. & Com. Co., 

N. C. Trust Co 

So. Timber & Lumber Co., 



$2,000 

15,000 

5,000 

7,920 

40,000 

2,400 

2,400 

8,000 

12,000 

11,550 

1,800 

3,000 

6,000 

4,000 

1,200 

2,000 

500 

3,700 



00 
00 
00 
00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 

00 I 

00 J 



Loaned 
Thereon. 

$1,500 00 
15,000 00 

25,000 00 
1,600 00 
1,600 00 
8,000 00 

12,000 00 

7,000 00 
2,500 00 

5,000 00 



$128,470 00 



$79,200 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Atlantic Coast Line, 
100 " Great Northern, pref., 
100 " Northern Pacific, 
50 " Union Pacific, .... 
Miscellaneous Stocks. 
4 shares General Adjustment Bureau, N. Y., 
30 " Guil. Ins. & R. Co., Greens., N. C, 
1 share Western Adjustment & Inspec. Co., 

Government Bonds. 
United States Philippine Is. 4s, 1934 op. 1914, 
United States Philippine Is. 4s, 1936 op. 1916, 

State, County and Municipal Bonds. 
Georgia 4|s, 1915, 
Granville County, N.. C, 4|s, 1939, 
North Carolina 4s, 1913, . 
North Carolina 4s, 1950, . 
Richmond, Va., 4s, 1941, . 
Wilson Township, N. C, 5s, 1938, 



Book Value. 
$6,950 00 
11,712 
11,937 
6,025 



50 
50 
00 



200 00 

3,000 00 

200 00 

33,299 17 
22,199 44 

22,360 00 
25,737 50 
1,000 00 
99,975 00 
35,175 00 
40,000 00 



Rate. 
120 
123 
116 
173 

100 
100 
200 

101 

102 

103 
104 
100 
99 
97 
102 



Market Value. 

$12,000 00 

12,300 00 

11,600 00 

8,650 00 

200 00 

3,000 00 

400 00 

30,300 00 
20,400 00 

20,600 00 
26,000 00 
1,000 00 
99,000 00 
33,950 00 
40,800 00 



DUBUQUE FIRE AND MARINE INSURANCE CO. 



219 



Railroad Bonds. 
Atlantic Coast Line 1st cons. 4s, 1952, 
Buffalo & Susquehanna 1st ref. 4s, 1951, 
Iowa Central 1st and ref. 4s, 1951, 
Lake Shore & Michigan Sou. 4s, 1928, 
N. Y. Central Lines equipment 4£s, 1920, . 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Oregon Short Line, ref. 4s, 1929, 
Pennsylvania conv. 3^s, 1915, . 

Miscellaneous Bonds. 
Atlantic Christian College 6s, 1916, 
Peace Institute, Raleigh, N. C, 5s, 1917, . 



Book Value. 


Rate. 


Market Value. 


$23,953 13 


94 


$23,500 00 


9,058 85 


45 


4,500 00 


16,485 00 


67 


14,070 00 


23,312 50 


94 


23,500 00 


24,937 50 


100 


25,000 00 


23,937 50 


96 


24,000 00 


23,156 25 


93 


23,250 00 


47,968 75 


96 


48,000 00 


9,200 00 


100 


9,200 00 


500 00 


100 


500 00 


$522,280 59 


$515,720 00 



DUBUQUE FIRE AND MARINE INSURANCE COMPANY, 

DUBUQUE, IA. 

Incorporated July IS, 1883. Commenced business July 18, 1883. 

Cash Capital, $200,000. 

JOHN ELLWANGER, President. N. J. SCHRUP, Secretary. 

Home Office, Bank and Insurance Building. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $44,192.29; collaterals, $811.83; 
stocks and bonds, $14,476.66; bank deposits, $1,673.82; all 
other, $1,384.31; gross rents, $240, . . ' . . . 

Gross profit on sale of bonds, ....... 

Total income, ........ 

Ledger assets, Dec. 31, 1909, ....... 



$761,881 62 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

All other disbursements, 

Total disbursements, 

Balance, 



62,778 91 
118 75 

$824,779 28 
1,139,140 25 

$1,963,919 53 



$349,742 80 

8,792 94 

40,000 00 

202,869 10 

30,203 56 

23,698 80 

1,980 00 

3,211 50 

6,648 45 

1,888 98 

4.065 25 
6,974 17 

31 30 

12,982 03 

3,915 02 

3.066 76 
1,742 35 

$701,813 01 

1,262,106 52 



220 



DUBUQUE FIRE AND MARINE INSURANCE CO. 



Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $18,317.70; bonds, $3,830.91; collateral loans, 

$567.50, 

Market value of stocks and bonds over book value, . 

Due from local agency, ........ 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ...... 

Liabilities. 

Unpaid losses, $44,580.39; less reinsurance, $3,077.46, 

Unearned premiums on outstanding risks, 

Taxes and miscellaneous accounts, due or accrued, . 







$3,000 00 






813,257 36 






10,200 00 






269,731 25 






62,551 66 






103,366 25 



$1,262,106 52 



22,716 

13,388 
4, 



11 
75 

18 



$1,303,197 56 

2,406 14 
$1,300,791 42 



$41,502 

716,506 

20,000 



93 
76 
00 



Total, . 

Cash capital, ...... 

Surplus over all liabilities, 

Surplus to policy holders, . . ' . . — 

Total liabilities, including surplus, 

Risks and Premiums. 



$200,000 00 
322,781 73 



$778,009 69 

522,781 73 
$1,300,791 42 



Fire risks in force Dec. 31, 1909, 
Fire risks written during the year, 

Total, .-' # . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$91,089,486 00 
73,757,885 00 

$164,847,371 00 
52,098,825 00 

$112,748,546 00 
3,906,800 00 



Premiums. 

$1,129,333 
971,474 



39 
30 



$2,100,807 

714,408 



69 
45 



$1,386,399 
60,272 



24 
19 



$108,841,746 00 $1,326,127 05 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (20 per cent.), 

Par value of company's stock owned by directors, 



$5,164,610 
2,083,530 
393,000 
100,000 
365,893 
40,000 
137,000 



90 
71 
00 
00 
56 
00 
00 



DUTCHESS FIRE INSURANCE CO. 



221 



Schedule A. Securities held as Collateral. 

Company's Loaned 

Market Value. Thereon. 

50 shares German Savings Bank, Dubuque, la., . . $6,000 00 $2,100 00 

25 " German Savings Bank, Dubuque, la., . . 3,000 00 2,000 00 

50 " German State Bank, Dyersville, la., . . . 5,000 00 3,500 00 

Certificates of deposit, Farmers State Bank, Dyersville, la., . 3,000 00 2,600 00 

$10,200 00 



$17,000 00 

Schedule B. Stocks and Bonds owned by the Company. 



Bank Stocks. 
250 shares German Savings, Dubuque, la., 

Miscellaneous Stocks. 
100 shares Bank & Ins. Bldg., Dubuque, la., 
25 " Mason City L. & T. Co., Mason City, la., 

Municipal Bonds. 
Chicago, 111., 5s, 1911, . . . . . \ 

Chicago, 111., 5s, 1912, . . . . / 

Railroad Bonds. 

Chicago City 1st 5s, 1927 

Chicago Rys. 1st 5s, 1927, .... 

Chippewa Val. Ry. Lt. & P. Co. 5s, 1924, . 

Miscellaneous Bonds. 
Citizens Gas & Elec. Co., Waterloo, la., 5s, 1926, 
Denver Reservoir Irrigation Co. 6s, 1913, . 
Dubuque & Wis. Bridge Co. 1st 5s, 1917, . 
Laclede Gas Light Co. 5s, 1934, . 
National Brick Co. 5|s, 1911-15, 
Pacific Telephone & Telegraph Co. 5s, 1937, 
Union Elec. Lt. & Power Co. 5s, 1933, 
U. S. Steel Corporation 5s, 1963, 
Westinghouse Elec. & Mfg. Co. 5s, 1931, . 



Book Value. 
$30,000 00 

10,000 00 
2,500 00 

13,500 00 

48,875 00 

35,000 00 

4,362 50 

2,337 50 

8,500 00 

1,000 00 

10,150 00 

12,500 00 

19,050 00 

18,650 00 

44,393 75 

8,912 50 



Rate. 
120 

100 
120 

100 
101 

102 
97 
97 

100 
100 
100 
101 
100 
100 

97 
104 

92 



Market Value. 
$30,000 00 

10,000 00 
3,000 00 

3,000 00 
12,120 00 

51,000 00 

33,950 00 

4,850 00 



$269,731 25 



2,500 

8,500 

1,000 
10,100 
12,500 
20,000 
19,400 00 
52,000 00 

9,200 00 

$283,120 00 



00 
00 
00 
00 
00 
00 



DUTCHESS FIRE INSURANCE COMPANY, POUGHKEEPSIE, N. Y. 

Incorporated Aug. 18, 1906. Commenced business Aug. 22, 1906. 

Paid-up Capital, $200,000. 

L. H. VAIL, President. FRANK L. GARDNER, Secretary. 

Home Office, 39 Market Street. 

Income. 

Net fire premiums, . . . . . 

Gross interest on mortgages, $1,490.19; stocks and bonds, 
$24,491.40; all other, $6.25; gross rents, including $1,200 for 
company's own occupancy, $1,459.50, ..... 

Gross profit on sale or maturity of bonds, .... 

Agents' balances previously charged off, ..... 

From all other sources, . . . 



$379,777 21 



27,447 34 

208 19 

28 63 

130 00 



Total income, ..... 

Ledger assets, Dec. 31, 1909, .... 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 
Commissions or brokerage, .... 



$407,591 37 
659,519 61 

$1,067,110 98 



$230,647 83 

3,670 62 

8,000 00 

116,897 62 



222 



DUTCHESS FIRE INSURANCE CO. 



Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross loss on maturity of bonds, .... 

Agents' balances charged off, ..... 

All other disbursements, . ... 

Total disbursements, ..... 

Balance, . . . 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances, ....... 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on: — 

Mortgages, $108.41; bonds, $2,192.52, 

Market value of stocks and bonds over book value, . 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . . . . . 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $1,143.67 resisted, $40,731.94; less 

reinsurance, $2,006.94, .... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
State, county and municipal taxes, due or accrued, 
Due for reinsurance, ..... 



Total, . 

Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 



$200,000 00 
136,260 89 



$6,801 32 

19,058 80 

1,200 00 

1,113 62 

1,757 57 

195 71 

805 82 

2,782 54 

773 09 

275 4